IBIL vs VOO
iShares iBonds Oct 2035 Term TIPS ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IBIL | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $37M | $979.0B | |
| Dividend Yield | 4.45% | 1.09% | |
| Holdings | 3 | 509 | |
| YTD Return | +2.74% | +14.48% | |
| 1Y Return | +4.70% | +22.02% | |
| 3Y Return (annualized) | - | +21.80% | |
| 5Y Return (annualized) | - | +13.36% | |
| Volatility (annualized) | 3.4% | 14.2% | |
| Max Drawdown | -5.3% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | Sep 7, 2010 |
IBIL vs VOO Performance
iShares iBonds Oct 2035 Term TIPS ETF (IBIL) is a ETF from iShares by BlackRock (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year IBIL returned +4.70% while VOO returned +22.02%. Year to date, IBIL is up 2.74% versus a gain of 14.48% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 3.4% for IBIL. 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 IBIL and -34.3% for VOO. 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIL charges 0.10% per year while VOO 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, IBIL currently yields 4.45% against 1.09% for VOO.
Holdings Overlap
IBIL and VOO share 0 holdings out of 507 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, IBIL or VOO?
IBIL has an expense ratio of 0.10% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, IBIL or VOO?
Over the past year IBIL returned +4.70% vs +22.02% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), IBIL annualized +6.52% vs +13.61% for VOO. Past performance does not guarantee future results.
Which is riskier, IBIL or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 3.4% for IBIL. Worst drawdown: IBIL -5.3% vs VOO -34.3%.
Should I hold both IBIL and VOO?
IBIL and VOO have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIL and VOO?
IBIL and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 507 unique securities.
Which pays a higher dividend, IBIL or VOO?
IBIL yields 4.45% while VOO yields 1.09%, so IBIL currently pays the higher dividend yield.
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