IBHJ vs VTI
iShares iBonds 2030 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 | IBHJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $176M | $666.9B | |
| Dividend Yield | 6.69% | 1.07% | |
| Holdings | 299 | 3,543 | |
| YTD Return | -0.96% | +13.14% | |
| 1Y Return | +2.07% | +22.35% | |
| 3Y Return (annualized) | +7.63% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 5.0% | 15.3% | |
| Max Drawdown | -4.9% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 21, 2023 | May 24, 2001 |
IBHJ vs VTI Performance
iShares iBonds 2030 Term High Yield and Income ETF (IBHJ) 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 IBHJ returned +2.07% while VTI returned +22.35%. Year to date, IBHJ is down 0.96% versus a gain of 13.14% for VTI.
Over three years, IBHJ compounded at +7.63% per year against +21.83% for VTI. Across the full 3-year window we track, VTI has the edge at +8.09% annualized vs +7.42%. 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 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 -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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHJ 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, IBHJ currently yields 6.69% against 1.07% for VTI.
Holdings Overlap
IBHJ and VTI share 1 holdings out of 3042 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IBHJ | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.83% | 0.02% | 0.81% |
Frequently Asked Questions
Which is cheaper, IBHJ or VTI?
IBHJ 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, IBHJ or VTI?
Over the past year IBHJ returned +2.07% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), IBHJ annualized +7.42% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IBHJ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.0% for IBHJ. Worst drawdown: IBHJ -4.9% vs VTI -56.6%.
Should I hold both IBHJ and VTI?
IBHJ and VTI have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBHJ and VTI?
IBHJ and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3042 unique securities.
Which pays a higher dividend, IBHJ or VTI?
IBHJ yields 6.69% while VTI yields 1.07%, so IBHJ currently pays the higher dividend yield.
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