PRWCX vs VFIFX: 18% overlap
T. Rowe Price Capital Appreciation and Vanguard Target Retirement 2050 share 18.5% 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 3 months apart — PRWCX, VFIFX as of 2026-03-31, the rest through 2026-06-30. 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 1.8. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
PRWCX and VFIFX hold 60 of the same securities. The ten contributing most to the overlap figure:
| Holding | in PRWCX | in VFIFX | Δ |
|---|---|---|---|
| AAPL | 3.6% | 3.1% | 0.5% |
| NVDA | 3.0% | 3.3% | 0.3% |
| MSFT | 4.2% | 2.0% | 2.3% |
| AMZN | 4.8% | 1.7% | 3.1% |
| GOOGL | 2.3% | 1.5% | 0.7% |
| AVGO | 1.8% | 1.3% | 0.5% |
| META | 3.7% | 0.9% | 2.8% |
| LLY | 0.8% | 0.7% | 0.1% |
| AMD | 1.4% | 0.7% | 0.7% |
| JPM | 0.7% | 0.6% | 0.1% |
Where PRWCX and VFIFX 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 | PRWCX | VFIFX | Δ |
|---|---|---|---|
| Treasuries | 18.2% | 3.6% | +14.6pp |
| Unclassified | 20.3% | 6.3% | +14.0pp |
| Financials | 2.4% | 14.1% | −11.7pp |
| Industrials | 0.9% | 10.5% | −9.6pp |
| Information Technology | 17.8% | 26.1% | −8.3pp |
| Health Care | 12.2% | 6.9% | +5.3pp |
| Cash & Other | 5.0% | -0.0% | +5.1pp |
| Utilities | 7.1% | 2.4% | +4.7pp |
Δ is PRWCX minus VFIFX, 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
39.0% of PRWCX by weight, held in no part of VFIFX.
80.1% of VFIFX by weight, held in no part of PRWCX.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| PRWCX | VFIFX | |
|---|---|---|
| Top 10 holdings | 46.0% | 19.3% |
| Positions held | 151 | 6 |
| Cost per $10,000 held, per year | $72 | $8 |
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 PRWCX and VFIFX overlap?
PRWCX and VFIFX overlap 18.5% by portfolio weight — moderate overlap. They share 60 holdings. The figure comes from current issuer holdings files (PRWCX as of 2026-03-31, VFIFX as of 2026-03-31).
How is the overlap between PRWCX and VFIFX calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If PRWCX holds a stock at 6% and VFIFX 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 PRWCX and VFIFX?
That depends on your goals — we state facts, not advice. At 18.5% overlap, each fund still contributes meaningfully distinct exposure.
What does PRWCX own that VFIFX doesn't?
PRWCX holds 151 positions and VFIFX holds 6; 90 of PRWCX's positions don't appear in VFIFX at all, and they are 39.0% of PRWCX by weight.
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Related comparisons
Sources: issuer holdings files, PRWCX as of 2026-03-31, VFIFX as of 2026-03-31. Weights are fractions of each fund. Diagnostics, not advice.