IBDV vs VTI
iShares iBonds Dec 2030 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 | IBDV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $3.3B | $663.5B | |
| Dividend Yield | 4.59% | 1.07% | |
| Holdings | 731 | 3,543 | |
| YTD Return | +0.05% | +13.87% | |
| 1Y Return | +2.44% | +23.31% | |
| 3Y Return (annualized) | +5.77% | +21.17% | |
| 5Y Return (annualized) | +0.46% | +12.23% | |
| Volatility (annualized) | 7.1% | 15.3% | |
| Max Drawdown | -22.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 23, 2020 | May 24, 2001 |
IBDV vs VTI Performance
iShares iBonds Dec 2030 Term Corporate ETF (IBDV) 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 IBDV returned +2.44% while VTI returned +23.31%. Year to date, IBDV is up 0.05% versus a gain of 13.87% for VTI.
Over three years, IBDV compounded at +5.77% per year against +21.17% for VTI; over five years the annualized figures are +0.46% and +12.23% respectively. Across the full 6-year window we track, VTI has the edge at +8.13% annualized vs +0.77%. 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 7.1% for IBDV. 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 -22.0% for IBDV 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBDV 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, IBDV currently yields 4.59% against 1.07% for VTI.
Holdings Overlap
IBDV and VTI share 1 holdings out of 3442 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 IBDV | Weight in VTI | Difference |
|---|---|---|---|
| GMT | 0.09% | 0.00% | 0.09% |
Frequently Asked Questions
Which is cheaper, IBDV or VTI?
IBDV 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, IBDV or VTI?
Over the past year IBDV returned +2.44% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), IBDV annualized +0.77% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, IBDV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.1% for IBDV. Worst drawdown: IBDV -22.0% vs VTI -56.6%.
Should I hold both IBDV and VTI?
IBDV and VTI have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBDV and VTI?
IBDV and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3442 unique securities.
Which pays a higher dividend, IBDV or VTI?
IBDV yields 4.59% while VTI yields 1.07%, so IBDV currently pays the higher dividend yield.
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