IBGA vs VOO
iShares iBonds Dec 2044 Term Treasury ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | IBGA | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $103M | $997.4B | |
| Dividend Yield | 4.77% | 1.08% | |
| Holdings | 9 | 509 | |
| YTD Return | -1.96% | +12.25% | |
| 1Y Return | +0.57% | +20.92% | |
| 3Y Return (annualized) | - | +21.79% | |
| 5Y Return (annualized) | - | +13.05% | |
| Volatility (annualized) | 8.8% | 14.1% | |
| Max Drawdown | -11.1% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 11, 2024 | Sep 7, 2010 |
IBGA vs VOO Performance
iShares iBonds Dec 2044 Term Treasury ETF (IBGA) is a ETF from iShares by BlackRock (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year IBGA returned +0.57% while VOO returned +20.92%. Year to date, IBGA is down 1.96% versus a gain of 12.25% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 8.8% for IBGA. 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 -11.1% for IBGA and -34.3% for VOO. 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 0.23. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBGA charges 0.07% per year while VOO charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, IBGA currently yields 4.77% against 1.08% for VOO.
Holdings Overlap
IBGA and VOO share 0 holdings out of 514 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IBGA or VOO?
IBGA has an expense ratio of 0.07% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, IBGA or VOO?
Over the past year IBGA returned +0.57% vs +20.92% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), IBGA annualized +1.59% vs +13.45% for VOO. Past performance does not guarantee future results.
Which is riskier, IBGA or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 8.8% for IBGA. Worst drawdown: IBGA -11.1% vs VOO -34.3%.
Should I hold both IBGA and VOO?
IBGA and VOO have a monthly-return correlation of 0.23, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBGA and VOO?
IBGA and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 514 unique securities.
Which pays a higher dividend, IBGA or VOO?
IBGA yields 4.77% while VOO yields 1.08%, so IBGA currently pays the higher dividend yield.
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