ITOT vs PRGFX: 41% overlap
iShares Core S&P Total U.S. Stock Market ETF and T. Rowe Price Growth Stock share 40.7% of their portfolios by weight — computed as Σ min(wA, wB) over every holding both funds own.
Different holding dates. These holdings were published about 4 months apart — PRGFX as of 2026-03-31, the rest through 2026-07-23. Each fund is compared using its most recent file, so any trading in between shows up as a difference.
You would hold two tickers and get the diversification of 1.6. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
ITOT and PRGFX hold 54 of the same securities. The ten contributing most to the overlap figure:
| Holding | in ITOT | in PRGFX | Δ |
|---|---|---|---|
| NVDA | 7.0% | 13.8% | 6.8% |
| AAPL | 6.6% | 11.1% | 4.5% |
| MSFT | 3.9% | 9.1% | 5.1% |
| AMZN | 3.2% | 4.9% | 1.7% |
| GOOGL | 2.6% | 7.0% | 4.4% |
| AVGO | 2.6% | 5.1% | 2.6% |
| META | 1.8% | 3.9% | 2.0% |
| LLY | 1.3% | 3.0% | 1.7% |
| TSLA | 1.2% | 2.7% | 1.5% |
| AMD | 1.2% | 1.1% | 0.1% |
Where ITOT and PRGFX differ
Sector weights as a share of each fund, ordered by the size of the gap rather than the size of the sector — two funds that overlap heavily still usually diverge somewhere.
| Sector | ITOT | PRGFX | Δ |
|---|---|---|---|
| Information Technology | 35.2% | 48.2% | −13.1pp |
| Financials | 12.7% | 5.1% | +7.6pp |
| Unclassified | 0.0% | 5.9% | −5.9pp |
| Industrials | 10.1% | 5.6% | +4.6pp |
| Communication Services | 8.7% | 13.1% | −4.4pp |
| Consumer Staples | 4.4% | 0.8% | +3.6pp |
| Energy | 3.5% | 0.0% | +3.5pp |
| Cash & Other | 0.0% | 3.5% | −3.5pp |
Δ is ITOT minus PRGFX, in percentage points. Sector data is not published by every issuer, so “Unclassified” is a real category rather than a gap in the table.
What each fund holds alone
58.9% of ITOT by weight, held in no part of PRGFX.
7.3% of PRGFX by weight, held in no part of ITOT.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| ITOT | PRGFX | |
|---|---|---|
| Top 10 holdings | 32.7% | 62.8% |
| Positions held | 2,440 | 79 |
| Cost per $10,000 held, per year | $3 | $64 |
Cost is the expense ratio applied to $10,000; it excludes any brokerage commission, bid-ask spread or tax consequence. Figures are facts about the funds, not a suggestion about which to hold.
Frequently asked
How much do ITOT and PRGFX overlap?
ITOT and PRGFX overlap 40.7% by portfolio weight — moderate overlap. They share 54 holdings. The figure comes from current issuer holdings files (ITOT as of 2026-07-23, PRGFX as of 2026-03-31).
How is the overlap between ITOT and PRGFX calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If ITOT holds a stock at 6% and PRGFX holds the same stock at 4%, 4% counts as shared. The result is bounded between 0% and 100%, and it is computed after looking through any fund-of-funds to the underlying holdings.
Is it redundant to hold both ITOT and PRGFX?
That depends on your goals — we state facts, not advice. At 40.7% overlap, each fund still contributes meaningfully distinct exposure.
What does ITOT own that PRGFX doesn't?
ITOT holds 2,440 positions and PRGFX holds 79; 2,385 of ITOT's positions don't appear in PRGFX at all, and they are 58.9% of ITOT by weight.
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Related comparisons
Sources: issuer holdings files, ITOT as of 2026-07-23, PRGFX as of 2026-03-31. Weights are fractions of each fund. Diagnostics, not advice.