ETF Overlap Checker
Find out if your ETFs secretly hold the same stocks. XEQT and VFV both hold Apple — are you double-exposed without knowing it?
POPULAR COMBINATIONS
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Proven diversified combinations
Click any recipe to load it into the checker and see its overlap score.
The Simple One-Fund Solution
GrowthOne ETF that holds the entire global market. Perfect for beginners who want simplicity.
Canadian Tilt
GrowthGlobal exposure with extra Canadian weight. Popular on r/PersonalFinanceCanada.
Classic DIY Portfolio
GrowthBuild your own global portfolio with separate pieces. More control, slightly lower cost.
Balanced Growth
Balanced80% stocks, 20% bonds. Good for investors within 10 years of retirement.
Tax-Efficient (Non-Registered)
GrowthSwap-based — no distributions means no annual tax bill. Best for taxable accounts.
DIY Balanced
BalancedCustom mix of stocks and bonds for full control over your asset allocation.
Why ETF overlap matters
Many Canadian investors hold multiple ETFs thinking they're diversified — but end up with significant hidden overlap. A common example: XEQT already contains US equity exposure, so adding VFV on top means you're double-weighted in Apple, Microsoft, and Nvidia without realizing it.
Overlap isn't always bad — sometimes it's intentional (deliberately overweighting a region or sector). But unintentional overlap means you're paying management fees twice for the same exposure. This tool helps you see exactly what's happening in your portfolio.