IBTI vs VTI
iShares iBonds Dec 2028 Term Treasury 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 | IBTI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $2.0B | $666.9B | |
| Dividend Yield | 3.79% | 1.07% | |
| Holdings | 47 | 3,543 | |
| YTD Return | +0.96% | +13.14% | |
| 1Y Return | +2.97% | +22.35% | |
| 3Y Return (annualized) | +4.65% | +21.83% | |
| 5Y Return (annualized) | +0.01% | +12.01% | |
| Volatility (annualized) | 4.8% | 15.3% | |
| Max Drawdown | -18.7% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 25, 2020 | May 24, 2001 |
IBTI vs VTI Performance
iShares iBonds Dec 2028 Term Treasury ETF (IBTI) 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 IBTI returned +2.97% while VTI returned +22.35%. Year to date, IBTI is up 0.96% versus a gain of 13.14% for VTI.
Over three years, IBTI compounded at +4.65% per year against +21.83% for VTI; over five years the annualized figures are +0.01% and +12.01% respectively. Across the full 7-year window we track, VTI has the edge at +8.09% annualized vs +0.22%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.8% for IBTI. 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 -18.7% for IBTI 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 0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBTI charges 0.07% per year while VTI charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, IBTI currently yields 3.79% against 1.07% for VTI.
Holdings Overlap
IBTI and VTI share 0 holdings out of 2823 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, IBTI or VTI?
IBTI has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, IBTI or VTI?
Over the past year IBTI returned +2.97% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), IBTI annualized +0.22% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IBTI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.8% for IBTI. Worst drawdown: IBTI -18.7% vs VTI -56.6%.
Should I hold both IBTI and VTI?
IBTI and VTI have a monthly-return correlation of 0.26, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBTI and VTI?
IBTI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2823 unique securities.
Which pays a higher dividend, IBTI or VTI?
IBTI yields 3.79% while VTI yields 1.07%, so IBTI currently pays the higher dividend yield.
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