IBDU vs VTI
iShares iBonds Dec 2029 Term Corporate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBDU or VTI?
Short Term High Quality against Large Cap Blend.
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 | IBDU | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $4.0B | $690.1B |
| Dividend Yield | 4.64% | 1.03% |
| Holdings | 711 | 3,524 |
| YTD Return | -0.04% | +13.35%Best |
| 1Y Return | +0.95% | +15.92%Best |
| 3Y Return (annualized) | +6.44% | +23.41%Best |
| 5Y Return (annualized) | +0.90% | +12.83%Best |
| Volatility (annualized) | 7.2%Best | 17.0% |
| Max Drawdown | -19.5%Best | -35.0% |
| $10,000 over 5 years | $10,458 | $18,286Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Short Term High Quality | Large Cap Blend |
| Inception | Sep 17, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 19, 2019 to Oct 2, 2026 (7 years).
IBDU 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 7 years both funds cover.
IBDU vs VTI Performance
iShares iBonds Dec 2029 Term Corporate ETF (IBDU) 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 IBDU returned +0.95% while VTI returned +15.92%. Year to date, IBDU is down 0.04% versus a gain of 13.35% for VTI.
Over three years, IBDU compounded at +6.44% per year against +23.41% for VTI; over five years the annualized figures are +0.90% and +12.83% respectively. Across the full 7-year window we track, VTI has the edge at +15.03% annualized vs +1.72%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 17.0% compared with 7.2% for IBDU. 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 -19.5% for IBDU 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDU 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, IBDU currently yields 4.64% against 1.03% for VTI.
Holdings Overlap
At least 0.1% of VTI's money is in holdings IBDU also owns.
Stated as a floor: for IBDU, our book for it covers 83.0% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
2 positions in common, counted across the 574 positions we hold weights for in IBDU and 3,463 in VTI, against full books of 711 and 3,524.
You are not choosing between two funds in isolation.
Whichever of IBDU 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, IBDU or VTI?
IBDU 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, IBDU or VTI?
Over the past year IBDU returned +0.95% vs +15.92% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), IBDU annualized +1.72% vs +15.03% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDU or VTI?
VTI has been the more volatile fund at 17.0% annualized versus 7.2% for IBDU. Worst drawdown: IBDU -19.5% vs VTI -35.0%.
Should I hold both IBDU and VTI?
IBDU and VTI have a monthly-return correlation of 0.68, 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, IBDU or VTI?
IBDU yields 4.64% while VTI yields 1.03%, so IBDU currently pays the higher dividend yield.
Is VTI better than IBDU?
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.