IBHH vs VTI
iShares iBonds 2028 Term High Yield and Income 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 | IBHH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $463M | $666.9B | |
| Dividend Yield | 6.24% | 1.07% | |
| Holdings | 222 | 3,543 | |
| YTD Return | -0.95% | +13.14% | |
| 1Y Return | +1.10% | +22.35% | |
| 3Y Return (annualized) | +7.10% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 7.6% | 15.3% | |
| Max Drawdown | -12.1% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 8, 2022 | May 24, 2001 |
IBHH vs VTI Performance
iShares iBonds 2028 Term High Yield and Income ETF (IBHH) 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 IBHH returned +1.10% while VTI returned +22.35%. Year to date, IBHH is down 0.95% versus a gain of 13.14% for VTI.
Over three years, IBHH compounded at +7.10% per year against +21.83% for VTI. Across the full 4-year window we track, VTI has the edge at +8.09% annualized vs +4.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.6% for IBHH. 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 -12.1% for IBHH 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHH charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, IBHH currently yields 6.24% against 1.07% for VTI.
Holdings Overlap
IBHH and VTI share 0 holdings out of 2988 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, IBHH or VTI?
IBHH has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, IBHH or VTI?
Over the past year IBHH returned +1.10% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), IBHH annualized +4.14% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IBHH or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.6% for IBHH. Worst drawdown: IBHH -12.1% vs VTI -56.6%.
Should I hold both IBHH and VTI?
IBHH and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBHH and VTI?
IBHH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2988 unique securities.
Which pays a higher dividend, IBHH or VTI?
IBHH yields 6.24% while VTI yields 1.07%, so IBHH currently pays the higher dividend yield.
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