IBIG vs VYM
IBIG vs VYM
iShares iBonds Oct 2030 Term TIPS ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | IBIG | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.04% | |
| AUM | $140M | $79.0B | |
| Dividend Yield | 3.91% | 2.86% | |
| Holdings | 6 | 568 | |
| YTD Return | +1.37% | +15.80% | |
| 1Y Return | +2.31% | +26.12% | |
| 3Y Return (annualized) | +5.59% | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 3.9% | 14.6% | |
| Max Drawdown | -3.2% | -58.8% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 19, 2023 | Nov 10, 2006 |
IBIG vs VYM Performance
iShares iBonds Oct 2030 Term TIPS ETF (IBIG) is a ETF from iShares by BlackRock (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year IBIG returned +2.31% while VYM returned +26.12%. Year to date, IBIG is up 1.37% versus a gain of 15.80% for VYM.
Over three years, IBIG compounded at +5.59% per year against +18.25% for VYM. Across the full 3-year window we track, VYM has the edge at +7.07% annualized vs +5.59%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 3.9% for IBIG. 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 -3.2% for IBIG and -58.8% for VYM. 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIG charges 0.10% per year while VYM charges 0.04%. On a $10,000 position that is $10 vs $4 annually, a gap of $6 per year that compounds over a long holding period. On income, IBIG currently yields 3.91% against 2.86% for VYM.
Holdings Overlap
IBIG and VYM share 0 holdings out of 562 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, IBIG or VYM?
IBIG has an expense ratio of 0.10% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, IBIG or VYM?
Over the past year IBIG returned +2.31% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), IBIG annualized +5.59% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, IBIG or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 3.9% for IBIG. Worst drawdown: IBIG -3.2% vs VYM -58.8%.
Should I hold both IBIG and VYM?
IBIG and VYM have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIG and VYM?
IBIG and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 562 unique securities.
Which pays a higher dividend, IBIG or VYM?
IBIG yields 3.91% while VYM yields 2.86%, so IBIG currently pays the higher dividend yield.
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