VFFVX vs VGIT: 2% overlap
Vanguard Target Retirement 2055 and Vanguard Intermediate-Term Treasury ETF share 1.7% 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 3 months apart — VFFVX 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 2.0. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
VFFVX and VGIT hold 2 of the same securities. The ten contributing most to the overlap figure:
| Holding | in VFFVX | in VGIT | Δ |
|---|---|---|---|
| UST-3-10Y | 1.4% | 99.8% | 98.3% |
| CASH | 1.9% | 0.2% | 1.7% |
Where VFFVX and VGIT 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 | VFFVX | VGIT | Δ |
|---|---|---|---|
| Treasuries | 3.3% | 99.8% | −96.5pp |
| Information Technology | 26.3% | 0.0% | +26.3pp |
| Financials | 14.1% | 0.0% | +14.1pp |
| Industrials | 10.6% | 0.0% | +10.6pp |
| Consumer Discretionary | 7.6% | 0.0% | +7.6pp |
| Health Care | 7.0% | 0.0% | +7.0pp |
| Unclassified | 6.1% | 0.0% | +6.1pp |
| Communication Services | 6.0% | 0.0% | +6.0pp |
Δ is VFFVX minus VGIT, 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
96.6% of VFFVX by weight, held in no part of VGIT.
0.0% of VGIT by weight, held in no part of VFFVX.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| VFFVX | VGIT | |
|---|---|---|
| Top 10 holdings | 19.2% | 100.0% |
| Positions held | 6 | 2 |
| Cost per $10,000 held, per year | $8 | $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 VFFVX and VGIT overlap?
VFFVX and VGIT overlap 1.7% by portfolio weight — largely distinct portfolios. They share 2 holdings. The figure comes from current issuer holdings files (VFFVX as of 2026-03-31, VGIT as of 2026-06-30).
How is the overlap between VFFVX and VGIT calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If VFFVX holds a stock at 6% and VGIT 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 VFFVX and VGIT?
That depends on your goals — we state facts, not advice. At 1.7% overlap, each fund still contributes meaningfully distinct exposure.
What does VFFVX own that VGIT doesn't?
VFFVX holds 6 positions and VGIT holds 2; 16,680 of VFFVX's positions don't appear in VGIT at all, and they are 96.6% of VFFVX by weight.
You probably hold more than two funds
This page compares VFFVX and VGIT. 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.
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Related comparisons
Sources: issuer holdings files, VFFVX as of 2026-03-31, VGIT as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.