IBIJ vs VTI
iShares iBonds Oct 2033 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 | IBIJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $53M | $666.9B | |
| Dividend Yield | 5.51% | 1.07% | |
| Holdings | 4 | 3,543 | |
| YTD Return | +1.10% | +13.14% | |
| 1Y Return | +2.65% | +22.35% | |
| 3Y Return (annualized) | +5.23% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 5.4% | 15.3% | |
| Max Drawdown | -5.3% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 19, 2023 | May 24, 2001 |
IBIJ vs VTI Performance
iShares iBonds Oct 2033 Term TIPS ETF (IBIJ) 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 IBIJ returned +2.65% while VTI returned +22.35%. Year to date, IBIJ is up 1.10% versus a gain of 13.14% for VTI.
Over three years, IBIJ compounded at +5.23% per year against +21.83% for VTI. Across the full 3-year window we track, VTI has the edge at +8.09% annualized vs +5.23%. 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 5.4% for IBIJ. 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 -5.3% for IBIJ 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIJ 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, IBIJ currently yields 5.51% against 1.07% for VTI.
Holdings Overlap
IBIJ 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, IBIJ or VTI?
IBIJ 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, IBIJ or VTI?
Over the past year IBIJ returned +2.65% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), IBIJ annualized +5.23% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IBIJ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.4% for IBIJ. Worst drawdown: IBIJ -5.3% vs VTI -56.6%.
Should I hold both IBIJ and VTI?
IBIJ and VTI have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIJ and VTI?
IBIJ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, IBIJ or VTI?
IBIJ yields 5.51% while VTI yields 1.07%, so IBIJ currently pays the higher dividend yield.
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