IBMS vs VTI
iShares iBonds Dec 2030 Term Muni Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBMS or VTI?
Long Term High Yield Bond against Large Cap Blend.
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 | IBMS | VTI |
|---|---|---|
| Expense Ratio | 0.18% | 0.03%Best |
| AUM | $336M | $666.9B |
| Dividend Yield | 2.49% | 1.03% |
| Holdings | 1,700 | 3,543 |
| YTD Return | -2.65% | +12.30%Best |
| 1Y Return | -2.81% | +16.08%Best |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 3.4%Best | 12.1% |
| Max Drawdown | -4.0%Best | -19.3% |
| $10,000 over 2.3 years | $10,539 | $14,724Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Yield Bond | Large Cap Blend |
| Inception | May 22, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.3 years row, are measured over the window both funds cover: May 28, 2024 to Sep 18, 2026 (2.3 years).
IBMS 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 2.3 years both funds cover.
IBMS vs VTI Performance
iShares iBonds Dec 2030 Term Muni Bond ETF (IBMS) 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 IBMS returned -2.81% while VTI returned +16.08%. Year to date, IBMS is down 2.65% 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 12.1% compared with 3.4% for IBMS. 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 -4.0% for IBMS 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 0.62. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBMS charges 0.18% per year while VTI charges 0.03%. On a $10,000 position that is $18 vs $3 annually, a gap of $15 per year that compounds over a long holding period. On income, IBMS currently yields 2.49% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 257 holdings in IBMS and 3,463 in VTI, totalling 19.4% and 98.1% of the two funds. That is not enough of IBMS to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 257 positions we hold weights for in IBMS and 3,463 in VTI, against full books of 1,700 and 3,543.
Top Shared Holdings
| Stock | Weight in IBMS | Weight in VTI | Difference |
|---|---|---|---|
| KFFBKentucky St Ppty & Bldgs Commn | 0.02% | 0.00% | 0.02% |
You are not choosing between two funds in isolation.
Whichever of IBMS 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, IBMS or VTI?
IBMS has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option, by $15 a year on a $10,000 investment.
Which performed better, IBMS or VTI?
Over the past year IBMS returned -2.81% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), IBMS annualized +2.31% vs +18.32% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBMS or VTI?
VTI has been the more volatile fund at 12.1% annualized versus 3.4% for IBMS. Worst drawdown: IBMS -4.0% vs VTI -19.3%.
Should I hold both IBMS and VTI?
IBMS and VTI have a monthly-return correlation of 0.62, 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, IBMS or VTI?
IBMS yields 2.49% while VTI yields 1.03%, so IBMS currently pays the higher dividend yield.
Is VTI better than IBMS?
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.