IBHJ vs VOO
iShares iBonds 2030 Term High Yield and Income 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 | IBHJ | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $176M | $997.4B | |
| Dividend Yield | 6.69% | 1.08% | |
| Holdings | 299 | 509 | |
| YTD Return | -0.96% | +12.68% | |
| 1Y Return | +2.07% | +21.87% | |
| 3Y Return (annualized) | +7.63% | +22.06% | |
| 5Y Return (annualized) | - | +12.95% | |
| Volatility (annualized) | 5.0% | 14.1% | |
| Max Drawdown | -4.9% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 21, 2023 | Sep 7, 2010 |
IBHJ vs VOO Performance
iShares iBonds 2030 Term High Yield and Income ETF (IBHJ) 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 IBHJ returned +2.07% while VOO returned +21.87%. Year to date, IBHJ is down 0.96% versus a gain of 12.68% for VOO.
Over three years, IBHJ compounded at +7.63% per year against +22.06% for VOO. Across the full 3-year window we track, VOO has the edge at +13.47% annualized vs +7.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 5.0% for IBHJ. 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 -4.9% for IBHJ 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHJ charges 0.35% per year while VOO 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, IBHJ currently yields 6.69% against 1.08% for VOO.
Holdings Overlap
IBHJ and VOO share 0 holdings out of 761 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, IBHJ or VOO?
IBHJ has an expense ratio of 0.35% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, IBHJ or VOO?
Over the past year IBHJ returned +2.07% vs +21.87% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (3 years), IBHJ annualized +7.42% vs +13.47% for VOO. Past performance does not guarantee future results.
Which is riskier, IBHJ or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 5.0% for IBHJ. Worst drawdown: IBHJ -4.9% vs VOO -34.3%.
Should I hold both IBHJ and VOO?
IBHJ and VOO have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBHJ and VOO?
IBHJ and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 761 unique securities.
Which pays a higher dividend, IBHJ or VOO?
IBHJ yields 6.69% while VOO yields 1.08%, so IBHJ currently pays the higher dividend yield.
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