Own an Index Fund, a Growth Fund, and a Tech Fund? You Likely Own the Same Companies Three Times. These 3 ETFs Remove the Overlap

ITOT tracks the whole U.S. stock market, reaching past the large caps into mid-size and smaller companies your growth and tech funds likely skip. You still own the giants, but at their market weight instead of being counted three times.

The cost is minimal: a net expense ratio of 0.03%, according to the fund’s July 31, 2026 prospectus. Net assets stood at about $94.1 billion as of June 30, 2026. It pays quarterly, totaling about $1.69 per share over the trailing 12 months. The adjusted price is up 13.35% year-to-date and 16.45% over the past year.

BND Adds an Asset Class Your Stock Funds Never Touch

Every fund you own today is a stock fund. BND holds broad U.S. investment-grade bonds and tracks the Bloomberg U.S. Aggregate Float Adjusted Index, so its overlap with your equity funds is zero. Bond prices respond mainly to interest rates and credit conditions, drivers that differ from the ones moving tech stocks.

The expense ratio is 0.04%, per Vanguard’s June 2026 fact sheet. BND pays monthly, with trailing 12-month distributions of about $2.93 per share. Bonds carry their own risk, though. Rising rates push prices down, and BND’s adjusted price is down 2.85% year-to-date and 2.77% over the past month. Its job is to steady the portfolio.

IXUS Fills the Biggest Gap in Portfolios Like Yours

A portfolio built from U.S. index, growth, and tech funds usually holds almost nothing listed outside the U.S. IXUS covers developed and emerging markets outside the U.S. through the MSCI ACWI ex USA IMI benchmark, so it sits beside your U.S. funds without duplicating them.

Its July 31, 2026 holdings filing lists names such as Royal Bank of Canada, Toronto-Dominion Bank, Shopify, Volvo, Teva Pharmaceutical, and Sea Limited, spanning banks, energy, miners, industrials, and software. Net assets reached about $58.4 billion. Distributions arrive semi-annually, adding up to about $2.80 per share over the trailing 12 months. The adjusted price is up 13.94% year-to-date and 19.42% over the past year.

Trade-Offs to Weigh Before You Reshuffle

This lineup spreads risk more truly. ITOT’s adjusted price rose 295.59% over the last ten years, while IXUS gained 141.8% and BND gained 11.57%. Real diversification means some pieces will lag for long periods.

Taxes matter too. Selling existing funds in a taxable account can create a tax bill, so transition deliberately over time rather than in a single session.

Why This Trio Belongs in Your Portfolio

If you believed you were diversified because you owned several funds, these three turn fund count into actual breadth: the full U.S. market, a bond market your stock funds never reach, and thousands of companies abroad. Each one holds what the other two leave out, and you finally know exactly what you own.

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