IBDR vs VTI
iShares iBonds Dec 2026 Term Corporate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBDR or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 45.1%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IBDR | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $3.3B | $666.9B |
| Dividend Yield | 4.08% | 1.03% |
| Holdings | 223 | 3,543 |
| YTD Return | +2.61% | +12.30%Best |
| 1Y Return | +3.93% | +16.08%Best |
| 3Y Return (annualized) | +5.43% | +21.01%Best |
| 5Y Return (annualized) | +1.63% | +12.36%Best |
| Volatility (annualized) | 4.6%Best | 15.8% |
| Max Drawdown | -16.1%Best | -35.0% |
| $10,000 over 5 years | $10,842 | $17,908Best |
| Top 10 Weight | 45.1% | 33.3%Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Sep 13, 2016 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Sep 19, 2016 to Sep 18, 2026 (10 years).
IBDR vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
IBDR vs VTI Performance
iShares iBonds Dec 2026 Term Corporate ETF (IBDR) is an ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year IBDR returned +3.93% while VTI returned +16.08%. Year to date, IBDR is up 2.61% versus a gain of 12.30% for VTI.
Over three years, IBDR compounded at +5.43% per year against +21.01% for VTI; over five years the annualized figures are +1.63% and +12.36% respectively. Across the full 10-year window we track, VTI has the edge at +13.96% annualized vs +1.60%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 4.6% for IBDR. 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 -16.1% for IBDR and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.51. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDR charges 0.10% per year while VTI 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, IBDR currently yields 4.08% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 187 holdings in IBDR and 3,463 in VTI, totalling 99.7% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 187 positions we hold weights for in IBDR and 3,463 in VTI, against full books of 223 and 3,543.
What only one of them owns
Our book lists 1,146 positions for VTI that do not appear in our book for IBDR (97.5% of the fund), and 183 for IBDR that do not appear in VTI (99.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IBDR and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IBDR or VTI?
IBDR has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, IBDR or VTI?
Over the past year IBDR returned +3.93% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), IBDR annualized +1.60% vs +13.96% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDR or VTI?
VTI has been the more volatile fund at 15.8% annualized versus 4.6% for IBDR. Worst drawdown: IBDR -16.1% vs VTI -35.0%.
Should I hold both IBDR and VTI?
IBDR and VTI have a monthly-return correlation of 0.51, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IBDR or VTI?
IBDR yields 4.08% while VTI yields 1.03%, so IBDR currently pays the higher dividend yield.
Is VTI better than IBDR?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 45.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.