IBLC vs VTI
iShares Blockchain and Tech ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBLC or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. IBLC led over 3Y and the full window, VTI over 1Y.
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 | IBLC | VTI |
|---|---|---|
| Expense Ratio | 0.47% | 0.03%Best |
| AUM | $82M | $666.9B |
| Dividend Yield | 5.58% | 1.03% |
| Holdings | 52 | 3,543 |
| YTD Return | +7.80% | +12.34%Best |
| 1Y Return | +7.81% | +18.37%Best |
| 3Y Return (annualized) | +43.96%Best | +20.62% |
| 5Y Return (annualized) | - | +11.68% |
| Volatility (annualized) | 66.6% | 15.4%Best |
| Max Drawdown | -62.5% | -19.3%Best |
| $10,000 over 4.4 years | $22,419Best | $19,112 |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Apr 25, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.4 years row, are measured over the window both funds cover: Apr 27, 2022 to Sep 9, 2026 (4.4 years).
IBLC 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 4.4 years both funds cover.
IBLC vs VTI Performance
iShares Blockchain and Tech ETF (IBLC) 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 IBLC returned +7.81% while VTI returned +18.37%. Year to date, IBLC is up 7.80% versus a gain of 12.34% for VTI.
Over three years, IBLC compounded at +43.96% per year against +20.62% for VTI. Across the full 4-year window we track, IBLC has the edge at +20.14% annualized vs +15.86%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IBLC has been the more volatile fund, with annualized monthly volatility of 66.6% 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 -19.3% 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 0.75. 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 5.58% against 1.03% for VTI.
Holdings Overlap
At least 68.2% of IBLC's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
The two portfolios partly overlap.
The two holdings books were reported 62 days apart, IBLC as of Aug 31, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
18 positions in common, counted across the 41 positions we hold weights for in IBLC and 2,787 in VTI, against full books of 52 and 3,543.
Top Shared Holdings
| Stock | Weight in IBLC | Weight in VTI | Difference |
|---|---|---|---|
| COINCoinbase Global, Inc. | 15.80% | 0.04% | 15.76% |
| NVDANvidia Corp. | 4.59% | 6.32% | 1.73% |
| CRCLCircle Internet Group In | 9.79% | 0.01% | 9.78% |
| BMNRBitmine Immersion Technologi | 7.87% | 0.01% | 7.86% |
| MAMastercard Inc | 5.12% | 0.56% | 4.56% |
| AMDAdvanced Micro Devices Inc. | 4.31% | 1.30% | 3.01% |
| IBMInternational Business Machines Corp. | 3.50% | 0.36% | 3.14% |
| RIOTRiot Blockchain Inc. | 3.63% | 0.01% | 3.62% |
| CIFRCipher Mining In | 2.85% | 0.01% | 2.84% |
| CORZCore Scientific Inc | 2.69% | 0.01% | 2.68% |
68.2% of IBLC is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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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, by $44 a year on a $10,000 investment.
Which performed better, IBLC or VTI?
Over the past year IBLC returned +7.81% vs +18.37% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), IBLC annualized +20.14% vs +15.86% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBLC or VTI?
IBLC has been the more volatile fund at 66.6% annualized versus 15.4% for VTI. Worst drawdown: IBLC -62.5% vs VTI -19.3%.
Should I hold both IBLC and VTI?
IBLC and VTI have a monthly-return correlation of 0.75, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IBLC and VTI?
At least 68.2% of IBLC's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 18 positions in common, counted across the 41 positions we hold weights for in IBLC and 2,787 in VTI.
Which pays a higher dividend, IBLC or VTI?
IBLC yields 5.58% while VTI yields 1.03%, so IBLC currently pays the higher dividend yield.
Is VTI better than IBLC?
VTI has a lower expense ratio. IBLC led over 3Y and the full window, VTI over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.