IBDT vs VTI
iShares iBonds Dec 2028 Term Corporate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBDT or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
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 | IBDT | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $4.1B | $666.9B |
| Dividend Yield | 4.51% | 1.03% |
| Holdings | 732 | 3,543 |
| YTD Return | +1.11% | +12.57%Best |
| 1Y Return | +2.40% | +17.22%Best |
| 3Y Return (annualized) | +5.65% | +20.87%Best |
| 5Y Return (annualized) | +1.05% | +11.86%Best |
| Volatility (annualized) | 6.3%Best | 17.4% |
| Max Drawdown | -17.8%Best | -35.0% |
| $10,000 over 5 years | $10,536 | $17,514Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Sep 18, 2018 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 20, 2018 to Sep 11, 2026 (8 years).
IBDT 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 covers the 8 years both funds cover.
IBDT vs VTI Performance
iShares iBonds Dec 2028 Term Corporate ETF (IBDT) 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 IBDT returned +2.40% while VTI returned +17.22%. Year to date, IBDT is up 1.11% versus a gain of 12.57% for VTI.
Over three years, IBDT compounded at +5.65% per year against +20.87% for VTI; over five years the annualized figures are +1.05% and +11.86% respectively. Across the full 8-year window we track, VTI has the edge at +13.18% annualized vs +2.73%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 17.4% compared with 6.3% 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 -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 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDT 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, IBDT currently yields 4.51% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 604 holdings in IBDT and 2,787 in VTI, totalling 84.6% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
The two holdings books were reported 62 days apart, IBDT as of Aug 31, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 604 positions we hold weights for in IBDT and 2,787 in VTI, against full books of 732 and 3,543.
Top Shared Holdings
| Stock | Weight in IBDT | Weight in VTI | Difference |
|---|---|---|---|
| HUBBHubbell Inc | 0.09% | 0.04% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of IBDT 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, IBDT or VTI?
IBDT 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, IBDT or VTI?
Over the past year IBDT returned +2.40% vs +17.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), IBDT annualized +2.73% vs +13.18% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDT or VTI?
VTI has been the more volatile fund at 17.4% annualized versus 6.3% for IBDT. Worst drawdown: IBDT -17.8% vs VTI -35.0%.
Should I hold both IBDT and VTI?
IBDT and VTI have a monthly-return correlation of 0.61, 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, IBDT or VTI?
IBDT yields 4.51% while VTI yields 1.03%, so IBDT currently pays the higher dividend yield.
Is VTI better than IBDT?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.