Your funds may own more of the same stocks than you think.
FundAlign analyzes the actual holdings inside every mutual fund and ETF in your retirement plan — then shows you where they overlap and what each fund costs, in minutes.
Funds with different names often hold many of the same large companies. FundAlign shows you exactly where.
🔒 We never ask for your account login or credentials · Fund names or tickers only · Your data is never sold.
Holdings from SEC filings · Mutual funds & ETFs · No account login required
Sample report: a typical 5-fund plan
Real holdings from each fund's latest SEC filing (May 2026 – July 2026). This is the free overlap check.
FXAIXS&P 500 index · 0.015%FCNTXLarge growth · 0.74%VFIFXTarget date 2050 · 0.08%VTIAXInternational index · 0.09%VBTLXUS bond index · 0.04%
FXAIX
FCNTX
VFIFX
VTIAX
VBTLX
FXAIX
—
47
45
0
0
FCNTX
47
—
29
3
0
VFIFX
45
29
—
34
3
VTIAX
0
3
34
—
1
VBTLX
0
0
3
1
—
Nvidia Corp appears in 3 of 5 funds · Apple Inc appears in 3 of 5 funds · Amazon.Com Inc appears in 3 of 5 funds.
Overlap = share of holdings, by weight, two funds have in common. Target-date fund includes its underlying funds. Illustration only; not a recommendation about any fund.
This is what overlap actually looks like
Same number of funds. Completely different exposure.
HIGH OVERLAP
The illusion of diversification
5 funds. Looks diversified. Actually isn't.
Funds held5
Average overlap68%
Apple held in5 of 5 funds
Microsoft held in4 of 5 funds
Five funds, but most of the money ends up in the same large companies.
LOW OVERLAP
Real diversification
5 funds. Each one earning its place.
Funds held5
Average overlap18%
Asset classes covered6
Top stock concentrationBelow 3%
True diversification across US large cap, US small cap, international, emerging markets, bonds, and real assets.
More funds doesn't always mean more diversification.
Illustrative example · Works with both ETFs and mutual funds
Enter the ticker symbols available in your specific 401K plan — even if you only have 5 options.
2
We look up the holdings
We pull each fund's holdings from its latest SEC filing, including the funds inside target-date funds, and measure where they overlap.
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See what it means
Get an overlap matrix, the yearly cost of your funds, and three generic example mixes that show the trade-offs, explained in plain English.
What you get
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Overlap detection
See when two funds hold the same stocks, so you know whether more funds actually means more diversification.
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Plain-English explanations
Holdings and fees come from SEC filings, dated so you know how current they are. AI explains the results in plain English. Funds that don't file with the SEC are clearly labeled as estimates.
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Example mixes
See three illustrative mixes at preset stock shares (30%, 50%, 70%) built by fixed rules from your plan's funds, and what each costs per year.
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No account access
We never ask for your account login or credentials. Fund names or ticker symbols are all we need.
Simple pricing
No subscriptions. Pay only when you need it. Credits never expire. Unused credits are refundable within 30 days (terms).