IBCA vs VOO
iShares iBonds Dec 2035 Term Corporate ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IBCA | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $373M | $979.0B | |
| Dividend Yield | 4.65% | 1.09% | |
| Holdings | 417 | 509 | |
| YTD Return | -1.06% | +13.79% | |
| 1Y Return | +2.08% | +23.01% | |
| 3Y Return (annualized) | - | +21.78% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 3.7% | 14.1% | |
| Max Drawdown | -3.5% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | Sep 7, 2010 |
IBCA vs VOO Performance
iShares iBonds Dec 2035 Term Corporate ETF (IBCA) is a ETF from iShares by BlackRock (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year IBCA returned +2.08% while VOO returned +23.01%. Year to date, IBCA is down 1.06% versus a gain of 13.79% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 3.7% for IBCA. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -3.5% for IBCA and -34.3% for VOO. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBCA charges 0.10% per year while VOO charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, IBCA currently yields 4.65% against 1.09% for VOO.
Holdings Overlap
IBCA and VOO share 0 holdings out of 841 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IBCA or VOO?
IBCA has an expense ratio of 0.10% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, IBCA or VOO?
Over the past year IBCA returned +2.08% vs +23.01% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), IBCA annualized +4.25% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, IBCA or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 3.7% for IBCA. Worst drawdown: IBCA -3.5% vs VOO -34.3%.
Should I hold both IBCA and VOO?
IBCA and VOO have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBCA and VOO?
IBCA and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 841 unique securities.
Which pays a higher dividend, IBCA or VOO?
IBCA yields 4.65% while VOO yields 1.09%, so IBCA currently pays the higher dividend yield.
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