IBIL vs VTI
iShares iBonds Oct 2035 Term TIPS ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBIL or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y 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 | IBIL | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $42M | $666.9B |
| Dividend Yield | 6.49% | 1.03% |
| Holdings | 4 | 3,543 |
| YTD Return | +0.18% | +12.30%Best |
| 1Y Return | +0.37% | +16.08%Best |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 3.9%Best | 11.9% |
| Max Drawdown | -5.3%Best | -13.0% |
| $10,000 over 1.5 years | $10,649 | $13,650Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Mar 25, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Mar 26, 2025 to Sep 18, 2026 (1.5 years).
IBIL 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 1.5 years both funds cover.
IBIL vs VTI Performance
iShares iBonds Oct 2035 Term TIPS ETF (IBIL) 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 IBIL returned +0.37% while VTI returned +16.08%. Year to date, IBIL is up 0.18% versus a gain of 12.30% 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 11.9% compared with 3.9% 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 -13.0% 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 0.51. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBIL 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, IBIL currently yields 6.49% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 2 holdings in IBIL and 3,463 in VTI, totalling 49.2% 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 2 positions we hold weights for in IBIL and 3,463 in VTI, against full books of 4 and 3,543.
You are not choosing between two funds in isolation.
Whichever of IBIL 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, IBIL or VTI?
IBIL 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, IBIL or VTI?
Over the past year IBIL returned +0.37% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), IBIL annualized +4.28% vs +23.05% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBIL or VTI?
VTI has been the more volatile fund at 11.9% annualized versus 3.9% for IBIL. Worst drawdown: IBIL -5.3% vs VTI -13.0%.
Should I hold both IBIL and VTI?
IBIL and VTI have a monthly-return correlation of 0.51, 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, IBIL or VTI?
IBIL yields 6.49% while VTI yields 1.03%, so IBIL currently pays the higher dividend yield.
Is VTI better than IBIL?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.