IBGK vs VTI
iShares iBonds Dec 2054 Term Treasury ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | IBGK | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $6M | $666.9B | |
| Dividend Yield | 4.79% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | -3.24% | +13.14% | |
| 1Y Return | -0.69% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 10.4% | 15.3% | |
| Max Drawdown | -14.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 11, 2024 | May 24, 2001 |
IBGK vs VTI Performance
iShares iBonds Dec 2054 Term Treasury ETF (IBGK) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IBGK returned -0.69% while VTI returned +22.35%. Year to date, IBGK is down 3.24% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.4% for IBGK. 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 -14.0% for IBGK 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBGK 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, IBGK currently yields 4.79% against 1.07% for VTI.
Holdings Overlap
IBGK and VTI share 0 holdings out of 2792 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, IBGK or VTI?
IBGK has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, IBGK or VTI?
Over the past year IBGK returned -0.69% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), IBGK annualized -0.70% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IBGK or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.4% for IBGK. Worst drawdown: IBGK -14.0% vs VTI -56.6%.
Should I hold both IBGK and VTI?
IBGK and VTI have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBGK and VTI?
IBGK and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2792 unique securities.
Which pays a higher dividend, IBGK or VTI?
IBGK yields 4.79% while VTI yields 1.07%, so IBGK currently pays the higher dividend yield.
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