Yes—SCHD and VYM overlap. UnitedHealth Group (UNH) and Home Depot (HD) appear in both funds’ cited top-ten lists. That confirms duplicated company exposure, but the two lists do not establish a complete portfolio-overlap percentage. To measure that precisely, you need full holdings files from the same effective date, matched by ticker.
The funds also share several sectors, although their largest concentrations differ. SCHD is the smaller, more concentrated portfolio; VYM owns many more stocks and spreads its assets across a broader set of holdings.
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What SCHD and VYM are designed to do
Overlap is partly a consequence of how both funds are built: each selects dividend-paying U.S. companies from a large-cap-oriented universe. Their screens and benchmarks are different, so they do not hold identical portfolios, but popular, financially established dividend stocks can qualify for both.
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SCHD: a dividend-quality and sustainability strategy
Schwab Asset Management says SCHD seeks to track, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index. Its product description emphasizes the quality and sustainability of dividends. The SCHD product page reports a 0.060% expense ratio and 102 holdings as of October 15, 2026.
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VYM: broad exposure to high-yielding U.S. stocks
Vanguard’s fact sheet says VYM seeks to track the FTSE High Dividend Yield Index through passive, full replication. That benchmark covers high-yielding U.S. stocks and excludes real-estate investment trusts (REITs). As of June 30, 2026, VYM held 605 stocks and charged a 0.04% expense ratio.
| Fund | Benchmark and approach | Holdings snapshot | Expense ratio | Date of snapshot |
|---|---|---|---|---|
| SCHD | Dow Jones U.S. Dividend 100 Index; emphasizes dividend quality and sustainability | 102 holdings | 0.060% | October 15, 2026 |
| VYM | FTSE High Dividend Yield Index; passive full replication of high-yielding U.S. stocks | 605 stocks | 0.04% | June 30, 2026 |
Because these snapshots have different dates, the displayed counts, weights and rankings are not a same-day comparison. A company can move into or out of a top-ten list, and a fund can rebalance, between the two dates.
Which holdings overlap?
The cited top-ten lists establish two shared names:
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| Company | Ticker | What the cited lists show |
|---|---|---|
| UnitedHealth Group | UNH | Listed among the top ten holdings of both SCHD and VYM |
| Home Depot | HD | Listed among the top ten holdings of both SCHD and VYM |
SCHD’s cited top ten also includes Procter & Gamble (PG), while PG does not appear in VYM’s cited top ten. That does not prove VYM has no PG position; it only shows that PG was outside the displayed VYM top ten in the cited snapshot. The same caution applies to every company absent from a top-ten list.
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Top-ten comparisons are therefore a screening tool, not a portfolio-overlap calculation. A fund with hundreds of holdings can contain a small position in a company that does not rank among its ten largest positions.
How to calculate the complete holdings overlap
Use complete holdings files rather than summary pages, and make the dates comparable before calculating anything.
- Choose one effective date. Download each fund’s full holdings snapshot for the same date, or the closest dates clearly labeled as different. Do not compare SCHD’s October 15, 2026 snapshot with VYM’s June 30, 2026 snapshot and present the result as a same-day figure.
- Normalize ticker symbols. Put each fund’s ticker in a single column, remove duplicate rows created by multiple share classes or cash entries when appropriate, and verify that the symbol refers to the same issuer in both files.
- Join the files by ticker. The matched rows are the shared holdings. Keep each fund’s market-value weight beside the matched ticker.
- Count shared names. Report the number of matched tickers and the holdings count used for each fund on that date.
- Calculate name overlap. A useful size-adjusted measure is:
shared ticker count ÷ holdings count of the smaller fund × 100. State the denominator explicitly. Using the smaller fund avoids making the same shared set look less significant simply because the other fund owns many more securities. - Calculate weight overlap. For every matched ticker, take the lower of the two portfolio weights and add those amounts:
sum of min(SCHD weight, VYM weight) for each shared ticker. This estimates the portion of assets that could be represented in both funds, rather than treating a 0.1% position and a 7% position as equally important. - Document the inputs. Record the effective date, whether weights are based on market value, and how cash, derivatives, depositary receipts or multiple share classes were handled.
Name overlap and weight overlap answer different questions. Name overlap tells you how many securities are repeated; weight overlap tells you how much of the portfolios is potentially duplicated. A long list of tiny common positions can produce a high name count but a modest weight overlap.
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The sector figures below are both dated June 30, 2026. They come from provider materials, and the providers’ classification conventions are not guaranteed to be identical. Compare trends and concentration with that limitation in mind.
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SCHD sector weights
| Sector | Weight |
|---|---|
| Health Care | 20.72% |
| Consumer Staples | 20.38% |
| Energy | 14.07% |
| Industrials | 11.55% |
| Financials | 10.05% |
| Information Technology | 9.23% |
| Consumer Discretionary | 7.74% |
| Communication Services | 6.15% |
| Utilities | 0.11% |
SCHD’s largest reported concentrations are Health Care and Consumer Staples, each around one-fifth of the portfolio. Energy is the next-largest sector, followed by Industrials and Financials.
VYM sector weights
| Sector | Weight |
|---|---|
| Financials | 20.6% |
| Technology | 14.6% |
| Industrials | 14.4% |
| Health Care | 12.4% |
| Consumer Staples | 8.5% |
| Energy | 8.5% |
| Consumer Discretionary | 7.9% |
| Utilities | 6.0% |
| Telecommunications | 4.0% |
| Basic Materials | 3.0% |
| Real Estate | 0.0% |
| Other | 0.0% |
VYM is led by Financials, Technology and Industrials. Health Care is fourth at 12.4%, while Consumer Staples and Energy each account for 8.5%.
What the sector tables imply
Both funds provide meaningful exposure to Health Care, Industrials, Consumer Staples, Energy and Consumer Discretionary companies. Their concentration profiles are different: SCHD places far more weight in Health Care and Consumer Staples, while VYM places more in Financials, Technology, Industrials and Utilities.
“Communication Services” in SCHD and “Telecommunications” in VYM may not represent identical classification buckets. The same issue can arise when one provider reports a broad Technology category and another groups a business differently. Preserve the provider name and date whenever you compare sector percentages.
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VYM’s benchmark explicitly excludes REITs, and its cited sector table reports 0.0% Real Estate. SCHD’s cited sector table does not show a real-estate allocation. Do not generalize that observation to every future portfolio version without checking the current methodology and holdings.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Should you own both SCHD and VYM?
Owning both can make sense when you deliberately want two dividend strategies with different breadth and concentration. It is not automatically diversification: the same companies and sectors can appear in both funds, so two fund tickers can conceal a substantial common exposure.
When the combination may be useful
- You want a broad core plus a concentrated tilt. VYM’s 605-stock portfolio can serve as the broader dividend allocation, while SCHD’s 102 holdings provide a more concentrated dividend-quality tilt.
- You accept sector differences. The combination may alter your exposure to Health Care, Consumer Staples, Financials, Technology, Industrials and Utilities compared with holding either fund alone.
- You value low ongoing costs. The cited expense ratios are 0.060% for SCHD and 0.04% for VYM, although each figure belongs to a different dated provider snapshot.
When one fund may be enough
- You want to avoid duplicated positions. If the same companies already make up a meaningful part of your portfolio, adding the second fund may increase concentration rather than diversify it.
- You prefer a specific concentration level. SCHD’s 102 holdings create a more focused portfolio; VYM’s 605 stocks spread exposure across many more companies.
- You have a strict sector target. Combining funds without checking sector weights can unintentionally raise exposure to a sector already prominent in your individual stocks or other ETFs.
The right choice depends on your intended allocation, tolerance for concentration, income and growth objectives, tax situation and the rest of your portfolio. The overlap calculation should be completed before deciding whether the second fund adds exposure you actually need.
A practical overlap-check checklist
- Use full holdings files with matching effective dates.
- Confirm whether each file reports securities, positions, or only the largest holdings.
- Match tickers and investigate share-class or symbol changes.
- List every shared ticker, not just UNH and HD.
- Record each fund’s weight for every shared ticker.
- Report both the shared-name count and the weight-overlap sum.
- Compare sector weights using the same date and note classification differences.
- Check holdings counts and expense ratios from the same edition or dated provider document.
- Review REIT and real-estate treatment in each index methodology.
- Recheck after a scheduled rebalance or when either provider publishes a new holdings file.
Common mistakes to avoid
Calling two top-ten lists a complete overlap percentage
Two shared top-ten names prove duplication, but they cannot reveal how many smaller positions overlap. A complete percentage requires all holdings.
Mixing dates without labeling them
SCHD’s cited holdings count is from October 15, 2026, while VYM’s is from June 30, 2026. Market prices, rebalances and corporate actions can change both holdings and weights between those dates.
Treating sector labels as universal
Provider classifications can place the same business in different categories. Keep the original labels and avoid adding percentages across categories that are not defined the same way.
Confusing more tickers with more diversification
VYM owns substantially more stocks, but diversification also depends on position sizes and sector concentration. A larger holdings count does not eliminate overlap with SCHD or guarantee that your total portfolio is balanced.
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