IBD vs VTI
Inspire Corporate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | IBD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.43% | 0.03% | |
| AUM | $485M | $663.5B | |
| Dividend Yield | 4.26% | 1.07% | |
| Holdings | 251 | 3,543 | |
| YTD Return | -0.02% | +14.22% | |
| 1Y Return | +2.66% | +22.19% | |
| 3Y Return (annualized) | +4.92% | +21.27% | |
| 5Y Return (annualized) | +1.10% | +12.23% | |
| Volatility (annualized) | 5.0% | 15.3% | |
| Max Drawdown | -16.3% | -56.6% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 10, 2017 | May 24, 2001 |
IBD vs VTI Performance
Inspire Corporate Bond ETF (IBD) is a ETF from Inspire ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IBD returned +2.66% while VTI returned +22.19%. Year to date, IBD is down 0.02% versus a gain of 14.22% for VTI.
Over three years, IBD compounded at +4.92% per year against +21.27% for VTI; over five years the annualized figures are +1.10% and +12.23% respectively. Across the full 9-year window we track, VTI has the edge at +8.14% annualized vs +1.17%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.0% for IBD. 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 -16.3% for IBD and -56.6% for VTI. 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBD charges 0.43% per year while VTI charges 0.03%. On a $10,000 position that is $43 vs $3 annually, a gap of $40 per year that compounds over a long holding period. On income, IBD currently yields 4.26% against 1.07% for VTI.
Holdings Overlap
IBD and VTI share 0 holdings out of 3030 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, IBD or VTI?
IBD has an expense ratio of 0.43% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, IBD or VTI?
Over the past year IBD returned +2.66% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), IBD annualized +1.17% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, IBD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.0% for IBD. Worst drawdown: IBD -16.3% vs VTI -56.6%.
Should I hold both IBD and VTI?
IBD and VTI have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBD and VTI?
IBD and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3030 unique securities.
Which pays a higher dividend, IBD or VTI?
IBD yields 4.26% while VTI yields 1.07%, so IBD currently pays the higher dividend yield.
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