VTHRX vs VTIAX: 26% overlap
Vanguard Target Retirement 2030 and Vanguard Total International Stock Index Admiral share 26.3% of their portfolios by weight — computed as Σ min(wA, wB) over every holding both funds own.
Different holding dates. These holdings were published about 3 months apart — VTHRX 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 1.7. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
VTHRX and VTIAX hold 8,453 of the same securities. The ten contributing most to the overlap figure:
| Holding | in VTHRX | in VTIAX | Δ |
|---|---|---|---|
| CASH | 1.9% | 2.4% | 0.5% |
| 2330 | 1.0% | 4.3% | 3.2% |
| 005930 | 0.6% | 2.3% | 1.7% |
| 000660 | 0.5% | 2.2% | 1.6% |
| ASML | 0.4% | 1.7% | 1.3% |
| 700 | 0.2% | 0.8% | 0.6% |
| HSBA | 0.2% | 0.7% | 0.5% |
| ROP | 0.2% | 0.6% | 0.5% |
| RY | 0.2% | 0.6% | 0.5% |
| SAN | 0.2% | 0.7% | 0.5% |
Where VTHRX 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 | VTHRX | VTIAX | Δ |
|---|---|---|---|
| Treasuries | 13.6% | 0.0% | +13.6pp |
| Financials | 11.3% | 19.7% | −8.3pp |
| Industrials | 6.9% | 13.8% | −6.9pp |
| MBS Pass-Through | 5.7% | 0.0% | +5.7pp |
| Corporate — industrial & other | 4.4% | 0.0% | +4.4pp |
| Unclassified | 13.3% | 9.1% | +4.2pp |
| Information Technology | 17.3% | 20.9% | −3.6pp |
| Materials | 2.0% | 5.2% | −3.2pp |
Δ is VTHRX 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
72.1% of VTHRX by weight, held in no part of VTIAX.
0.0% of VTIAX by weight, held in no part of VTHRX.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| VTHRX | VTIAX | |
|---|---|---|
| Top 10 holdings | 28.9% | 16.3% |
| Positions held | 7 | 8,453 |
| Cost per $10,000 held, per year | $8 | $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 VTHRX and VTIAX overlap?
VTHRX and VTIAX overlap 26.3% by portfolio weight — moderate overlap. They share 8,453 holdings. The figure comes from current issuer holdings files (VTHRX as of 2026-03-31, VTIAX as of 2026-06-30).
How is the overlap between VTHRX and VTIAX calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If VTHRX 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 VTHRX and VTIAX?
That depends on your goals — we state facts, not advice. At 26.3% overlap, each fund still contributes meaningfully distinct exposure.
What does VTHRX own that VTIAX doesn't?
VTHRX holds 7 positions and VTIAX holds 8,453; 8,230 of VTHRX's positions don't appear in VTIAX at all, and they are 72.1% of VTHRX by weight.
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Related comparisons
Sources: issuer holdings files, VTHRX as of 2026-03-31, VTIAX as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.