VTTHX vs VV: 35% overlap
Vanguard Target Retirement 2035 and Vanguard Large-Cap ETF share 35.1% 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 1.6. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
VTTHX and VV hold 434 of the same securities. The ten contributing most to the overlap figure:
| Holding | in VTTHX | in VV | Δ |
|---|---|---|---|
| NVDA | 2.5% | 7.3% | 4.8% |
| AAPL | 2.3% | 6.7% | 4.4% |
| MSFT | 1.5% | 4.4% | 2.9% |
| AMZN | 1.2% | 3.6% | 2.4% |
| GOOGL | 1.1% | 3.3% | 2.2% |
| AVGO | 1.0% | 2.8% | 1.9% |
| GOOG | 0.9% | 2.6% | 1.7% |
| MU | 0.7% | 2.1% | 1.4% |
| META | 0.7% | 2.0% | 1.3% |
| TSLA | 0.6% | 1.9% | 1.2% |
Where VTTHX and VV 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 | VTTHX | VV | Δ |
|---|---|---|---|
| Information Technology | 19.5% | 38.1% | −18.6pp |
| Treasuries | 11.2% | 0.0% | +11.2pp |
| Unclassified | 11.2% | 0.1% | +11.1pp |
| Communication Services | 4.5% | 10.0% | −5.5pp |
| MBS Pass-Through | 4.7% | 0.0% | +4.7pp |
| Health Care | 5.2% | 8.9% | −3.7pp |
| Corporate — industrial & other | 3.6% | 0.0% | +3.6pp |
| Consumer Discretionary | 5.7% | 9.1% | −3.5pp |
Δ is VTTHX minus VV, 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
63.1% of VTTHX by weight, held in no part of VV.
0.0% of VV by weight, held in no part of VTTHX.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| VTTHX | VV | |
|---|---|---|
| Top 10 holdings | 26.4% | 36.6% |
| Positions held | 6 | 434 |
| 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 VTTHX and VV overlap?
VTTHX and VV overlap 35.1% by portfolio weight — moderate overlap. They share 434 holdings. The figure comes from current issuer holdings files (VTTHX as of 2026-03-31, VV as of 2026-06-30).
How is the overlap between VTTHX and VV calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If VTTHX holds a stock at 6% and VV 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 VTTHX and VV?
That depends on your goals — we state facts, not advice. At 35.1% overlap, each fund still contributes meaningfully distinct exposure.
What does VTTHX own that VV doesn't?
VTTHX holds 6 positions and VV holds 434; 16,248 of VTTHX's positions don't appear in VV at all, and they are 63.1% of VTTHX by weight.
You probably hold more than two funds
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Related comparisons
Sources: issuer holdings files, VTTHX as of 2026-03-31, VV as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.