IBIT vs VTI
iShares Bitcoin Trust ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | IBIT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $47.7B | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | -29.45% | +13.87% | |
| 1Y Return | -46.87% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 52.8% | 15.3% | |
| Max Drawdown | -53.3% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jan 5, 2024 | May 24, 2001 |
IBIT vs VTI Performance
iShares Bitcoin Trust ETF (IBIT) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IBIT returned -46.87% while VTI returned +23.31%. Year to date, IBIT is down 29.45% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
IBIT has been the more volatile fund, with annualized monthly volatility of 52.8% compared with 15.3% for VTI. 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 -53.3% for IBIT 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIT charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, IBIT currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, IBIT or VTI?
IBIT has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, IBIT or VTI?
Over the past year IBIT returned -46.87% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), IBIT annualized +12.31% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, IBIT or VTI?
IBIT has been the more volatile fund at 52.8% annualized versus 15.3% for VTI. Worst drawdown: IBIT -53.3% vs VTI -56.6%.
Should I hold both IBIT and VTI?
IBIT and VTI have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IBIT or VTI?
IBIT yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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