VGIT vs VTTHX: 5% overlap
Vanguard Intermediate-Term Treasury ETF and Vanguard Target Retirement 2035 share 5.2% 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 — VTTHX 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 1.9. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
VGIT and VTTHX hold 2 of the same securities. The ten contributing most to the overlap figure:
| Holding | in VGIT | in VTTHX | Δ |
|---|---|---|---|
| UST-3-10Y | 99.8% | 4.9% | 94.8% |
| CASH | 0.2% | 1.9% | 1.6% |
Where VGIT and VTTHX 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 | VGIT | VTTHX | Δ |
|---|---|---|---|
| Treasuries | 99.8% | 11.2% | +88.6pp |
| Information Technology | 0.0% | 19.5% | −19.5pp |
| Financials | 0.0% | 12.0% | −12.0pp |
| Unclassified | 0.0% | 11.2% | −11.2pp |
| Industrials | 0.0% | 7.8% | −7.8pp |
| Consumer Discretionary | 0.0% | 5.7% | −5.7pp |
| Health Care | 0.0% | 5.2% | −5.2pp |
| MBS Pass-Through | 0.0% | 4.7% | −4.7pp |
Δ is VGIT minus VTTHX, 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
0.0% of VGIT by weight, held in no part of VTTHX.
93.1% of VTTHX by weight, held in no part of VGIT.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| VGIT | VTTHX | |
|---|---|---|
| Top 10 holdings | 100.0% | 26.4% |
| Positions held | 2 | 6 |
| Cost per $10,000 held, per year | $3 | $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 VGIT and VTTHX overlap?
VGIT and VTTHX overlap 5.2% by portfolio weight — largely distinct portfolios. They share 2 holdings. The figure comes from current issuer holdings files (VGIT as of 2026-06-30, VTTHX as of 2026-03-31).
How is the overlap between VGIT and VTTHX calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If VGIT holds a stock at 6% and VTTHX 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 VGIT and VTTHX?
That depends on your goals — we state facts, not advice. At 5.2% overlap, each fund still contributes meaningfully distinct exposure.
What does VGIT own that VTTHX doesn't?
VGIT holds 2 positions and VTTHX holds 6; 0 of VGIT's positions don't appear in VTTHX at all, and they are 0.0% of VGIT by weight.
You probably hold more than two funds
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Related comparisons
Sources: issuer holdings files, VGIT as of 2026-06-30, VTTHX as of 2026-03-31. Weights are fractions of each fund. Diagnostics, not advice.