IBHJ vs VTI
iShares iBonds 2030 Term High Yield and Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBHJ or VTI?
Long Term High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y 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 | IBHJ | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $179M | $690.1B |
| Dividend Yield | 6.66% | 1.03% |
| Holdings | 294 | 3,524 |
| YTD Return | -4.17% | +13.35%Best |
| 1Y Return | -3.39% | +15.92%Best |
| 3Y Return (annualized) | +7.21% | +23.41%Best |
| 5Y Return (annualized) | - | +12.83% |
| Volatility (annualized) | 5.3%Best | 12.9% |
| Max Drawdown | -4.9%Best | -19.3% |
| $10,000 over 3.3 years | $12,147 | $18,509Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Yield Bond | Large Cap Blend |
| Inception | Jun 21, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.3 years row, are measured over the window both funds cover: Jun 26, 2023 to Oct 2, 2026 (3.3 years).
IBHJ 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 3.3 years both funds cover.
IBHJ vs VTI Performance
iShares iBonds 2030 Term High Yield and Income ETF (IBHJ) 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 IBHJ returned -3.39% while VTI returned +15.92%. Year to date, IBHJ is down 4.17% versus a gain of 13.35% for VTI.
Over three years, IBHJ compounded at +7.21% per year against +23.41% 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 12.9% compared with 5.3% 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 -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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHJ charges 0.35% per year while 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 6.66% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 254 holdings in IBHJ and 3,463 in VTI, totalling 83.3% and 98.1% of the two funds. That is not enough of IBHJ to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 254 positions we hold weights for in IBHJ and 3,463 in VTI, against full books of 294 and 3,524.
Top Shared Holdings
| Stock | Weight in IBHJ | Weight in VTI | Difference |
|---|---|---|---|
| THCTenet Healthcare Corporation 6.13 06/15/2030 | 0.78% | 0.03% | 0.75% |
You are not choosing between two funds in isolation.
Whichever of IBHJ 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, IBHJ or VTI?
IBHJ has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, IBHJ or VTI?
Over the past year IBHJ returned -3.39% vs +15.92% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBHJ or VTI?
VTI has been the more volatile fund at 12.9% annualized versus 5.3% for IBHJ. Worst drawdown: IBHJ -4.9% vs VTI -19.3%.
Should I hold both IBHJ and VTI?
IBHJ and VTI have a monthly-return correlation of 0.74, 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, IBHJ or VTI?
IBHJ yields 6.66% while VTI yields 1.03%, so IBHJ currently pays the higher dividend yield.
Is VTI better than IBHJ?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.