IBGA vs VTI
iShares iBonds Dec 2044 Term Treasury ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBGA or VTI?
Short Term Government Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y 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 | IBGA | VTI |
|---|---|---|
| Expense Ratio | 0.07% | 0.03%Best |
| AUM | $105M | $666.9B |
| Dividend Yield | 4.77% | 1.03% |
| Holdings | 10 | 3,543 |
| YTD Return | -5.19% | +13.60%Best |
| 1Y Return | -4.96% | +18.17%Best |
| 3Y Return (annualized) | - | +23.04% |
| 5Y Return (annualized) | - | +12.14% |
| Volatility (annualized) | 8.9%Best | 12.2% |
| Max Drawdown | -11.1%Best | -19.3% |
| $10,000 over 2.3 years | $10,012 | $14,673Best |
| Top 10 Weight | - | 33.3% |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Short Term Government Bond | Large Cap Blend |
| Inception | Jun 11, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.3 years row, are measured over the window both funds cover: Jun 12, 2024 to Sep 25, 2026 (2.3 years).
IBGA 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 2.3 years both funds cover.
IBGA vs VTI Performance
iShares iBonds Dec 2044 Term Treasury ETF (IBGA) 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 IBGA returned -4.96% while VTI returned +18.17%. Year to date, IBGA is down 5.19% versus a gain of 13.60% 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 12.2% compared with 8.9% 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 -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 0.26. They move largely independently of each other.
Fees and Cost Over Time
IBGA charges 0.07% per year while VTI 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 1.03% for VTI.
Holdings Overlap
We hold position weights for 9 holdings in IBGA and 3,463 in VTI, totalling 100.7% and 98.1% 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 9 positions we hold weights for in IBGA and 3,463 in VTI, against full books of 10 and 3,543.
What only one of them owns
Measured across the 9 and 3,463 positions we hold weights for.
VTI holds 1,150 positions IBGA does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of IBGA 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, IBGA or VTI?
IBGA has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, IBGA or VTI?
Over the past year IBGA returned -4.96% vs +18.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), IBGA annualized +0.05% vs +18.14% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBGA or VTI?
VTI has been the more volatile fund at 12.2% annualized versus 8.9% for IBGA. Worst drawdown: IBGA -11.1% vs VTI -19.3%.
Should I hold both IBGA and VTI?
IBGA and VTI have a monthly-return correlation of 0.26, 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, IBGA or VTI?
IBGA yields 4.77% while VTI yields 1.03%, so IBGA currently pays the higher dividend yield.
Is VTI better than IBGA?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.