Apple through your brokerage. Apple inside VOO. Apple inside QQQ. Apple inside VUG. Overlap looks through your funds, adds it all up, and tells you what you actually own — in about eight seconds.
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Paste your holdings. Get a look-through sector map, your true single-stock concentration, a fee audit, and a diversification score you can argue about on Reddit.
VOO or SPY? SCHD or VIG? Any two funds, head to head: holdings overlap, fees over 30 years, and whether owning both accomplishes anything.
Where retail attention is piling up right now — unusual volume, crowd chatter, and what that concentration means for people who hold the ticker.
Composite cases drawn from patterns we see every week. Details anonymized; dollar figures are fee savings, not market luck.
Held VOO, SPY, and IVV side by side — three tickers, one index, ~99% identical. Was paying SPY's 0.09% for the privilege. Consolidated the lot into SPLG at 0.02%.
NVDA at 28%, plus QQQ, SMH, and XLK. Look-through tech exposure: 74%. Felt diversified across "four positions." Trimmed NVDA to 12%, added VXUS and a bond sleeve.
ARKK (0.75%), GLD (0.40%), JEPI (0.35%), IWM (0.19%) — a 0.42% blended fee for what was, underneath, mostly large-cap US exposure. Swapped to cheap twins doing the same jobs.
I started Overlap after reading my two-hundredth "rate my portfolio" thread where someone holding VOO, SPY, and VTI asked whether they should add IVV. The replies were mockery. What that person needed was a picture.
Overlap is that picture. No account walls, no upsell halfway through your analysis, no pretending a pile of index funds is a strategy. Just the math I wish someone had shown me before I spent years paying 0.75% for a fund that underperformed the index it was quietly hugging.
— Matt, who builds Overlap and reads every email
Takes less time than reading one more "rate my portfolio" thread.
Start the free analysisYou think you're diversified. Let's check.
Enter tickers and amounts — dollars or percentages, either works. We look inside your ETFs, so 20% VOO counts as 1.2% Apple, 1.3% Microsoft, and so on. Most people find out they own their favorite stock three more times than they thought.
Two funds enter. One question gets answered: does owning both actually diversify you, or are you paying two fees for one portfolio?
Where retail attention is concentrating this week — unusual trading volume and crowd chatter. Attention is not a buy signal. Usually it's the opposite.
| Ticker | Company | Volume vs 30-day | Trend (8 wk) | Chatter | Worth knowing |
|---|
If a ticker on this list is also one of your top holdings, your portfolio is riding a crowded trade. That can work — until everyone heads for the same exit. Cross-reference with the Analyzer to see how exposed you are. Pro subscribers get alerts when their holdings show up here, plus insider-transaction flags.
Anonymized portfolios from the community, ranked. Vote for the ones that deserve the spotlight — and learn from the ones that deserve the Hall of Shame.
A real portfolio shape from our case files. How diversified do you think it is?
| Investor | Portfolio | Badges | Respect |
|---|
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Get scoredWhere Pro subscribers keep an eye on a saved portfolio without staring at it. Below is a live-looking preview using a sample portfolio (the "Reddit special," post-rebalance).
| Ticker | Activity (30d) | Value | Our read |
|---|---|---|---|
| NVDA | 3 sells | $48M | Scheduled 10b5-1 sales. Routine; low signal. |
| SMCI | CFO sell | $2.1M | Unscheduled — first open-market sale in 14 months. Worth a look. |
| SOFI | CEO buy | $500K | Open-market buy on weakness. Insiders buying their own dip. |
| Holding | Yield | Next ex-div | Belongs in |
|---|---|---|---|
| SCHD | 3.4% | Sep 25 | Either — dividends are qualified |
| BND | 4.1% | Aug 01 | IRA/401k — interest is taxed as income |
| VXUS | 2.9% | Sep 18 | Taxable — you lose the foreign tax credit in an IRA |
| VOO | 1.3% | Sep 27 | Either |
| Lot | Cost basis | Value now | Harvestable loss | Swap into | Watch out |
|---|---|---|---|---|---|
| VXUS (Mar '26 lot) | $14,200 | $12,850 | −$1,350 | IXUS — different index, same job | Clear — no purchases in 30 days |
| VNQ (Jan '26 lot) | $6,000 | $5,320 | −$680 | SCHH — REIT twin, 0.07% | Clear |
| SMCI (May '26 lot) | $3,100 | $2,240 | −$860 | SMH — keeps semi exposure | Wash-sale risk — you bought SMCI 12 days ago |
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See pricingWhat we've learned from analyzing portfolios that all look suspiciously alike.
Twelve holdings, four brokerages, a spreadsheet with color-coding — and underneath it all, one enormous bet on semiconductors. This week's public dissection: what the look-through showed, the three trades that fixed it, and the $61,000 fee difference over 25 years.
Three tickers, three fund companies, one index. The only real difference is the fee — and one of them charges triple. A short field guide to the most common redundancy in retail portfolios.
AAPL, NVDA, MSFT, QQQ, and XLK feel like five decisions. They're one decision, made five times, with correlations north of 0.85. What look-through concentration actually means for drawdowns.
Expense ratios look like rounding errors. Compounded over thirty years of contributions, they're a car. How to audit what your funds charge and swap the expensive ones without triggering taxes.
The diagnosis is always free. Pro is for people who want the treatment plan.
Is this financial advice? No. Overlap is an analytics tool — it shows you what you own and what it costs. What you do about it is between you, your circumstances, and possibly a fiduciary advisor.
Do you sell my data? There is no data to sell. Free-tier analysis runs entirely in your browser; we never see your holdings.
Why so cheap? Because the math isn't expensive, and neither is honesty. We'd rather have 10,000 subscribers who trust us than 100 paying hedge-fund prices.