IBDR vs VTI
iShares iBonds Dec 2026 Term Corporate 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 | IBDR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $3.4B | $663.5B | |
| Dividend Yield | 4.12% | 1.07% | |
| Holdings | 264 | 3,543 | |
| YTD Return | +1.90% | +14.22% | |
| 1Y Return | +3.78% | +22.19% | |
| 3Y Return (annualized) | +5.21% | +21.27% | |
| 5Y Return (annualized) | +1.55% | +12.23% | |
| Volatility (annualized) | 4.6% | 15.3% | |
| Max Drawdown | -16.1% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 13, 2016 | May 24, 2001 |
IBDR vs VTI Performance
iShares iBonds Dec 2026 Term Corporate ETF (IBDR) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IBDR returned +3.78% while VTI returned +22.19%. Year to date, IBDR is up 1.90% versus a gain of 14.22% for VTI.
Over three years, IBDR compounded at +5.21% per year against +21.27% for VTI; over five years the annualized figures are +1.55% and +12.23% respectively. Across the full 10-year window we track, VTI has the edge at +8.14% annualized vs +1.55%. 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 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 -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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
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 4.12% against 1.07% for VTI.
Holdings Overlap
IBDR and VTI share 0 holdings out of 3006 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, IBDR or VTI?
IBDR has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, IBDR or VTI?
Over the past year IBDR returned +3.78% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), IBDR annualized +1.55% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, IBDR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.6% for IBDR. Worst drawdown: IBDR -16.1% vs VTI -56.6%.
Should I hold both IBDR and VTI?
IBDR and VTI have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBDR and VTI?
IBDR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3006 unique securities.
Which pays a higher dividend, IBDR or VTI?
IBDR yields 4.12% while VTI yields 1.07%, so IBDR currently pays the higher dividend yield.
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