SCHF vs VTIAX: 7% overlap
Schwab International Equity ETF and Vanguard Total International Stock Index Admiral share 7.3% of their portfolios by weight — computed as Σ min(wA, wB) over every holding both funds own.
Different holding dates. These holdings were published 30 days apart — SCHF as of 2026-05-31, 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 1.9. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
SCHF and VTIAX hold 82 of the same securities. The ten contributing most to the overlap figure:
| Holding | in SCHF | in VTIAX | Δ |
|---|---|---|---|
| RY | 0.9% | 0.6% | 0.3% |
| CASH | 0.5% | 2.4% | 1.9% |
| TD | 0.6% | 0.5% | 0.2% |
| BN | 0.3% | 0.3% | 0.0% |
| SHOP | 0.5% | 0.3% | 0.2% |
| BMO | 0.4% | 0.3% | 0.1% |
| ENB | 0.4% | 0.3% | 0.1% |
| BNS | 0.3% | 0.2% | 0.1% |
| CM | 0.3% | 0.2% | 0.1% |
| CNQ | 0.3% | 0.2% | 0.1% |
Where SCHF and VTIAX 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 | SCHF | VTIAX | Δ |
|---|---|---|---|
| Unclassified | 95.9% | 9.1% | +86.7pp |
| Information Technology | 0.0% | 20.9% | −20.9pp |
| Financials | 1.9% | 19.7% | −17.8pp |
| Industrials | 0.3% | 13.8% | −13.5pp |
| Consumer Discretionary | 0.2% | 7.5% | −7.3pp |
| Health Care | 0.0% | 5.3% | −5.3pp |
| Materials | 0.0% | 5.2% | −5.2pp |
| Consumer Staples | 0.5% | 4.9% | −4.4pp |
Δ is SCHF minus VTIAX, 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
89.2% of SCHF by weight, held in no part of VTIAX.
90.8% of VTIAX by weight, held in no part of SCHF.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| SCHF | VTIAX | |
|---|---|---|
| Top 10 holdings | 14.8% | 16.3% |
| Positions held | 1,477 | 8,453 |
| Cost per $10,000 held, per year | $6 | $9 |
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 SCHF and VTIAX overlap?
SCHF and VTIAX overlap 7.3% by portfolio weight — largely distinct portfolios. They share 82 holdings. The figure comes from current issuer holdings files (SCHF as of 2026-05-31, VTIAX as of 2026-06-30).
How is the overlap between SCHF and VTIAX calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If SCHF holds a stock at 6% and VTIAX 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 SCHF and VTIAX?
That depends on your goals — we state facts, not advice. At 7.3% overlap, each fund still contributes meaningfully distinct exposure.
What does SCHF own that VTIAX doesn't?
SCHF holds 1,477 positions and VTIAX holds 8,453; 1,394 of SCHF's positions don't appear in VTIAX at all, and they are 89.2% of SCHF by weight.
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Related comparisons
Sources: issuer holdings files, SCHF as of 2026-05-31, VTIAX as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.