TSPI vs VCIT: 0% overlap
TSP I Fund — shown via international proxy and Vanguard Intermediate-Term Corporate Bond ETF share 0.1% of their portfolios by weight — computed as Σ min(wA, wB) over every holding both funds own.
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
TSPI and VCIT hold 1 of the same securities. The ten contributing most to the overlap figure:
| Holding | in TSPI | in VCIT | Δ |
|---|---|---|---|
| CASH | 2.4% | 0.1% | 2.3% |
Where TSPI and VCIT 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 | TSPI | VCIT | Δ |
|---|---|---|---|
| Corporate — industrial & other | 0.0% | 52.7% | −52.7pp |
| Information Technology | 20.9% | 0.0% | +20.9pp |
| Financials | 19.7% | 36.8% | −17.1pp |
| Industrials | 13.8% | 0.0% | +13.8pp |
| Unclassified | 9.1% | 0.4% | +8.8pp |
| Consumer Discretionary | 7.5% | 0.0% | +7.5pp |
| Utilities | 3.0% | 10.0% | −7.1pp |
| Health Care | 5.3% | 0.0% | +5.3pp |
Δ is TSPI minus VCIT, 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
97.6% of TSPI by weight, held in no part of VCIT.
99.9% of VCIT by weight, held in no part of TSPI.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| TSPI | VCIT | |
|---|---|---|
| Top 10 holdings | 16.3% | 16.6% |
| Positions held | 8,453 | 824 |
| Cost per $10,000 held, per year | $5 | $3 |
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 TSPI and VCIT overlap?
TSPI and VCIT overlap 0.1% by portfolio weight — largely distinct portfolios. They share 1 holdings. The figure comes from current issuer holdings files (TSPI as of 2026-06-30, VCIT as of 2026-06-30).
How is the overlap between TSPI and VCIT calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If TSPI holds a stock at 6% and VCIT 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 TSPI and VCIT?
That depends on your goals — we state facts, not advice. At 0.1% overlap, each fund still contributes meaningfully distinct exposure.
What does TSPI own that VCIT doesn't?
TSPI holds 8,453 positions and VCIT holds 824; 8,452 of TSPI's positions don't appear in VCIT at all, and they are 97.6% of TSPI by weight.
You probably hold more than two funds
This page compares TSPI and VCIT. 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 TSPI vs VCIT
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, TSPI as of 2026-06-30, VCIT as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.