IBDZ vs VTI
iShares iBonds Dec 2034 Term Corporate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBDZ or VTI?
Long Term Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. IBDZ is less concentrated, with 8.0% of the fund in its ten largest positions against 34.6%.
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 | IBDZ | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $914M | $689.2B |
| Dividend Yield | 5.06% | 1.06% |
| Holdings | 766 | 3,542 |
| YTD Return | -1.72% | +12.23%Best |
| 1Y Return | -1.35% | +12.74%Best |
| 3Y Return (annualized) | - | +21.44% |
| 5Y Return (annualized) | - | +10.83% |
| Volatility (annualized) | 5.0%Best | 11.7% |
| Max Drawdown | -5.6%Best | -19.3% |
| $10,000 over 2.5 years | $11,158 | $14,810Best |
| Top 10 Weight | 8.0%Best | 34.6% |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Bond | Large Cap Blend |
| Inception | May 22, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: May 24, 2024 to Nov 11, 2026 (2.5 years).
IBDZ 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 2.5 years both funds cover.
IBDZ vs VTI Performance
iShares iBonds Dec 2034 Term Corporate ETF (IBDZ) 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 IBDZ returned -1.35% while VTI returned +12.74%. Year to date, IBDZ is down 1.72% versus a gain of 12.23% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 11.7% compared with 5.0% for IBDZ. 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 -5.6% for IBDZ 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 0.39. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDZ 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, IBDZ currently yields 5.06% against 1.06% for VTI.
Holdings Overlap
We hold position weights for 366 holdings in IBDZ and 3,464 in VTI, totalling 96.2% and 97.2% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 366 positions we hold weights for in IBDZ and 3,464 in VTI, against full books of 766 and 3,542.
What only one of them owns
Our book lists 1,125 positions for VTI that do not appear in our book for IBDZ (96.9% of the fund), and 362 for IBDZ that do not appear in VTI (96.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IBDZ 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, IBDZ or VTI?
IBDZ 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, IBDZ or VTI?
Over the past year IBDZ returned -1.35% vs +12.74% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDZ or VTI?
VTI has been the more volatile fund at 11.7% annualized versus 5.0% for IBDZ. Worst drawdown: IBDZ -5.6% vs VTI -19.3%.
Should I hold both IBDZ and VTI?
IBDZ and VTI have a monthly-return correlation of 0.39, 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, IBDZ or VTI?
IBDZ yields 5.06% while VTI yields 1.06%, so IBDZ currently pays the higher dividend yield.
Is VTI better than IBDZ?
VTI has a lower expense ratio. VTI led over 1Y and the full window. IBDZ is less concentrated, with 8.0% of the fund in its ten largest positions against 34.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.