IBMT vs VTI
iShares iBonds Dec 2031 Term Muni Bond 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 | IBMT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.03% | |
| AUM | $128M | $663.5B | |
| Dividend Yield | 2.39% | 1.07% | |
| Holdings | 927 | 3,543 | |
| YTD Return | -1.39% | +13.87% | |
| 1Y Return | +0.91% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 3.8% | 15.3% | |
| Max Drawdown | -3.7% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | May 24, 2001 |
IBMT vs VTI Performance
iShares iBonds Dec 2031 Term Muni Bond ETF (IBMT) 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 IBMT returned +0.91% while VTI returned +23.31%. Year to date, IBMT is down 1.39% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.8% for IBMT. 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 -3.7% for IBMT 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBMT 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, IBMT currently yields 2.39% against 1.07% for VTI.
Holdings Overlap
IBMT and VTI share 0 holdings out of 2946 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IBMT or VTI?
IBMT has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, IBMT or VTI?
Over the past year IBMT returned +0.91% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), IBMT annualized +4.05% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, IBMT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.8% for IBMT. Worst drawdown: IBMT -3.7% vs VTI -56.6%.
Should I hold both IBMT and VTI?
IBMT and VTI have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBMT and VTI?
IBMT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2946 unique securities.
Which pays a higher dividend, IBMT or VTI?
IBMT yields 2.39% while VTI yields 1.07%, so IBMT currently pays the higher dividend yield.
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