IBIH vs VTI
iShares iBonds Oct 2031 Term TIPS 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 | IBIH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $71M | $666.9B | |
| Dividend Yield | 4.97% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +1.79% | +12.65% | |
| 1Y Return | +2.80% | +21.39% | |
| 3Y Return (annualized) | +5.68% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 4.5% | 15.3% | |
| Max Drawdown | -3.9% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 19, 2023 | May 24, 2001 |
IBIH vs VTI Performance
iShares iBonds Oct 2031 Term TIPS ETF (IBIH) 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 IBIH returned +2.80% while VTI returned +21.39%. Year to date, IBIH is up 1.79% versus a gain of 12.65% for VTI.
Over three years, IBIH compounded at +5.68% per year against +21.54% for VTI. Across the full 3-year window we track, VTI has the edge at +8.07% annualized vs +5.68%. 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 4.5% for IBIH. 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 -3.9% for IBIH 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIH 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, IBIH currently yields 4.97% against 1.07% for VTI.
Holdings Overlap
IBIH and VTI share 0 holdings out of 2790 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, IBIH or VTI?
IBIH has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, IBIH or VTI?
Over the past year IBIH returned +2.80% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), IBIH annualized +5.68% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, IBIH or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.5% for IBIH. Worst drawdown: IBIH -3.9% vs VTI -56.6%.
Should I hold both IBIH and VTI?
IBIH and VTI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIH and VTI?
IBIH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, IBIH or VTI?
IBIH yields 4.97% while VTI yields 1.07%, so IBIH currently pays the higher dividend yield.
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