IBIE vs VTI
iShares iBonds Oct 2028 Term TIPS ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBIE or VTI?
VTI has been ahead.
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 | IBIE | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $211M | $666.9B |
| Dividend Yield | 4.96% | 1.03% |
| Holdings | 8 | 3,543 |
| YTD Return | +1.83% | +12.08%Best |
| 1Y Return | +1.98% | +16.31%Best |
| 3Y Return (annualized) | +5.09% | +20.83%Best |
| 5Y Return (annualized) | - | +11.89% |
| Volatility (annualized) | 2.5%Best | 12.9% |
| Max Drawdown | -1.7%Best | -19.3% |
| $10,000 over 3 years | $11,606 | $17,641Best |
| Top 10 Weight | - | 33.3% |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Sep 13, 2023 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 15, 2023 to Sep 14, 2026 (3 years).
IBIE 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 years both funds cover.
IBIE vs VTI Performance
iShares iBonds Oct 2028 Term TIPS ETF (IBIE) 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 IBIE returned +1.98% while VTI returned +16.31%. Year to date, IBIE is up 1.83% versus a gain of 12.08% for VTI.
Over three years, IBIE compounded at +5.09% per year against +20.83% 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 2.5% for IBIE. 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 -1.7% for IBIE 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 0.26. They move largely independently of each other.
Fees and Cost Over Time
IBIE charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, IBIE currently yields 4.96% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 7 holdings in IBIE and 3,463 in VTI, totalling 100.0% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 7 positions we hold weights for in IBIE and 3,463 in VTI, against full books of 8 and 3,543.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for IBIE (97.5% of the fund), and 7 for IBIE that do not appear in VTI (100.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IBIE 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, IBIE or VTI?
IBIE has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, IBIE or VTI?
Over the past year IBIE returned +1.98% vs +16.31% 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, IBIE or VTI?
VTI has been the more volatile fund at 12.9% annualized versus 2.5% for IBIE. Worst drawdown: IBIE -1.7% vs VTI -19.3%.
Should I hold both IBIE and VTI?
IBIE and VTI have a monthly-return correlation of 0.26, 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, IBIE or VTI?
IBIE yields 4.96% while VTI yields 1.03%, so IBIE currently pays the higher dividend yield.
Is VTI better than IBIE?
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.