TRRBX vs VTIAX: 0% overlap
T. Rowe Price Retirement 2020 and Vanguard Total International Stock Index Admiral share 0.0% 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 — TRRBX as of 2026-02-28, 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 2.0. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
TRRBX and VTIAX hold 0 of the same securities. The ten contributing most to the overlap figure:
| Holding | in TRRBX | in VTIAX | Δ |
|---|
Where TRRBX 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 | TRRBX | VTIAX | Δ |
|---|---|---|---|
| Unclassified | 99.9% | 9.1% | +90.7pp |
| Information Technology | 0.0% | 20.9% | −20.9pp |
| Financials | 0.0% | 19.7% | −19.7pp |
| Industrials | 0.0% | 13.8% | −13.8pp |
| Consumer Discretionary | 0.0% | 7.5% | −7.5pp |
| Health Care | 0.0% | 5.3% | −5.3pp |
| Materials | 0.0% | 5.2% | −5.2pp |
| Consumer Staples | 0.0% | 4.9% | −4.9pp |
Δ is TRRBX 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
99.9% of TRRBX by weight, held in no part of VTIAX.
100.0% of VTIAX by weight, held in no part of TRRBX.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| TRRBX | VTIAX | |
|---|---|---|
| Top 10 holdings | 69.2% | 16.3% |
| Positions held | 31 | 8,453 |
| Cost per $10,000 held, per year | $53 | $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 TRRBX and VTIAX overlap?
TRRBX and VTIAX overlap 0.0% by portfolio weight — largely distinct portfolios. They share 0 holdings. The figure comes from current issuer holdings files (TRRBX as of 2026-02-28, VTIAX as of 2026-06-30).
How is the overlap between TRRBX and VTIAX calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If TRRBX 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 TRRBX and VTIAX?
That depends on your goals — we state facts, not advice. At 0.0% overlap, each fund still contributes meaningfully distinct exposure.
What does TRRBX own that VTIAX doesn't?
TRRBX holds 31 positions and VTIAX holds 8,453; 31 of TRRBX's positions don't appear in VTIAX at all, and they are 99.9% of TRRBX by weight.
You probably hold more than two funds
This page compares TRRBX and VTIAX. Paste your whole portfolio — brokerage, 401(k), IRA — and see the overlap across every fund at once, plus what you actually own underneath them and your own Effective Funds number. Free, no account, nothing stored.
X-ray my portfolio — free →Watch TRRBX vs VTIAX
We re-read both funds’ published holdings every weeknight. Leave an address and we'll tell you when what's inside actually changes.
Not sending yet — email alerts are built but switched off, and you'll be among the first when they turn on. No spam, one-click unsubscribe.
Related comparisons
Sources: issuer holdings files, TRRBX as of 2026-02-28, VTIAX as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.