IBLC vs VTI
iShares Blockchain and Tech 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 | IBLC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.47% | 0.03% | |
| AUM | $81M | $666.9B | |
| Dividend Yield | 5.71% | 1.07% | |
| Holdings | 52 | 3,543 | |
| YTD Return | -1.01% | +14.82% | |
| 1Y Return | +8.44% | +22.43% | |
| 3Y Return (annualized) | +34.68% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 67.2% | 15.4% | |
| Max Drawdown | -62.5% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Apr 25, 2022 | May 24, 2001 |
IBLC vs VTI Performance
iShares Blockchain and Tech ETF (IBLC) 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 IBLC returned +8.44% while VTI returned +22.43%. Year to date, IBLC is down 1.01% versus a gain of 14.82% for VTI.
Over three years, IBLC compounded at +34.68% per year against +21.93% for VTI. Across the full 4-year window we track, IBLC has the edge at +18.14% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IBLC has been the more volatile fund, with annualized monthly volatility of 67.2% compared with 15.4% 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 -62.5% for IBLC 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBLC charges 0.47% per year while VTI charges 0.03%. On a $10,000 position that is $47 vs $3 annually, a gap of $44 per year that compounds over a long holding period. On income, IBLC currently yields 5.71% against 1.07% for VTI.
Holdings Overlap
IBLC and VTI share 19 holdings out of 2810 unique holdings combined, representing a 7.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IBLC or VTI?
IBLC has an expense ratio of 0.47% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, IBLC or VTI?
Over the past year IBLC returned +8.44% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), IBLC annualized +18.14% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, IBLC or VTI?
IBLC has been the more volatile fund at 67.2% annualized versus 15.4% for VTI. Worst drawdown: IBLC -62.5% vs VTI -56.6%.
Should I hold both IBLC and VTI?
IBLC and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBLC and VTI?
IBLC and VTI share 19 common holdings with a 7.3% weight overlap. Combined, they hold 2810 unique securities.
Which pays a higher dividend, IBLC or VTI?
IBLC yields 5.71% while VTI yields 1.07%, so IBLC currently pays the higher dividend yield.
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