IBDT vs VOO
iShares iBonds Dec 2028 Term Corporate ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. IBDT offers more diversification with 730 holdings.
Side-by-Side Comparison
| Metric | IBDT | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $4.1B | $997.4B | |
| Dividend Yield | 4.52% | 1.08% | |
| Holdings | 730 | 509 | |
| YTD Return | +1.54% | +12.25% | |
| 1Y Return | +3.63% | +20.92% | |
| 3Y Return (annualized) | +6.01% | +21.79% | |
| 5Y Return (annualized) | +1.15% | +13.05% | |
| Volatility (annualized) | 6.4% | 14.1% | |
| Max Drawdown | -17.8% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 18, 2018 | Sep 7, 2010 |
IBDT vs VOO Performance
iShares iBonds Dec 2028 Term Corporate ETF (IBDT) 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 IBDT returned +3.63% while VOO returned +20.92%. Year to date, IBDT is up 1.54% versus a gain of 12.25% for VOO.
Over three years, IBDT compounded at +6.01% per year against +21.79% for VOO; over five years the annualized figures are +1.15% and +13.05% respectively. Across the full 8-year window we track, VOO has the edge at +13.45% annualized vs +2.81%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 6.4% for IBDT. 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 -17.8% for IBDT 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBDT 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, IBDT currently yields 4.52% against 1.08% for VOO.
Holdings Overlap
IBDT and VOO share 1 holdings out of 1157 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IBDT | Weight in VOO | Difference |
|---|---|---|---|
| HUBB | 0.09% | 0.04% | 0.05% |
Frequently Asked Questions
Which is cheaper, IBDT or VOO?
IBDT 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, IBDT or VOO?
Over the past year IBDT returned +3.63% vs +20.92% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (8 years), IBDT annualized +2.81% vs +13.45% for VOO. Past performance does not guarantee future results.
Which is riskier, IBDT or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 6.4% for IBDT. Worst drawdown: IBDT -17.8% vs VOO -34.3%.
Should I hold both IBDT and VOO?
IBDT and VOO 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 IBDT and VOO?
IBDT and VOO share 1 common holdings with a 0.0% weight overlap. Combined, they hold 1157 unique securities.
Which pays a higher dividend, IBDT or VOO?
IBDT yields 4.52% while VOO yields 1.08%, so IBDT currently pays the higher dividend yield.
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