IBDX vs VTI
iShares iBonds Dec 2032 Term Corporate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBDX or VTI?
Long Term High Quality against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y 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 | IBDX | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $1.7B | $666.9B |
| Dividend Yield | 4.86% | 1.03% |
| Holdings | 425 | 3,543 |
| YTD Return | -1.13% | +12.28%Best |
| 1Y Return | -0.32% | +16.78%Best |
| 3Y Return (annualized) | +5.76% | +20.89%Best |
| 5Y Return (annualized) | - | +11.94% |
| Volatility (annualized) | 8.4%Best | 14.9% |
| Max Drawdown | -12.5%Best | -19.3% |
| $10,000 over 4.2 years | $11,848 | $20,991Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Quality | Large Cap Blend |
| Inception | Jun 28, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.2 years row, are measured over the window both funds cover: Jun 30, 2022 to Sep 17, 2026 (4.2 years).
IBDX 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 4.2 years both funds cover.
IBDX vs VTI Performance
iShares iBonds Dec 2032 Term Corporate ETF (IBDX) 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 IBDX returned -0.32% while VTI returned +16.78%. Year to date, IBDX is down 1.13% versus a gain of 12.28% for VTI.
Over three years, IBDX compounded at +5.76% per year against +20.89% for VTI. Across the full 4-year window we track, VTI has the edge at +19.31% annualized vs +4.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 8.4% for IBDX. 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 -12.5% for IBDX and -19.3% 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
IBDX 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, IBDX currently yields 4.86% against 1.03% for VTI.
Holdings Overlap
At least 0.5% of VTI's money is in holdings IBDX also owns.
Stated as a floor: for IBDX, our book for it covers 87.9% 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 389 positions we hold weights for in IBDX and 3,463 in VTI, against full books of 425 and 3,543.
You are not choosing between two funds in isolation.
Whichever of IBDX 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, IBDX or VTI?
IBDX 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, IBDX or VTI?
Over the past year IBDX returned -0.32% vs +16.78% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), IBDX annualized +4.12% vs +19.31% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDX or VTI?
VTI has been the more volatile fund at 14.9% annualized versus 8.4% for IBDX. Worst drawdown: IBDX -12.5% vs VTI -19.3%.
Should I hold both IBDX and VTI?
IBDX 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, IBDX or VTI?
IBDX yields 4.86% while VTI yields 1.03%, so IBDX currently pays the higher dividend yield.
Is VTI better than IBDX?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.