IBTK vs VTI
iShares iBonds Dec 2030 Term Treasury ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBTK or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y 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 | IBTK | VTI |
|---|---|---|
| Expense Ratio | 0.07% | 0.03%Best |
| AUM | $1.0B | $666.9B |
| Dividend Yield | 3.79% | 1.03% |
| Holdings | 28 | 3,543 |
| YTD Return | -1.44% | +12.30%Best |
| 1Y Return | -0.57% | +16.08%Best |
| 3Y Return (annualized) | +3.90% | +21.01%Best |
| 5Y Return (annualized) | -1.28% | +12.36%Best |
| Volatility (annualized) | 6.3%Best | 15.7% |
| Max Drawdown | -23.1%Best | -25.4% |
| $10,000 over 5 years | $9,376 | $17,908Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Jul 14, 2020 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 20, 2020 to Sep 18, 2026 (6.2 years).
IBTK 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 6.2 years both funds cover.
IBTK vs VTI Performance
iShares iBonds Dec 2030 Term Treasury ETF (IBTK) 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 IBTK returned -0.57% while VTI returned +16.08%. Year to date, IBTK is down 1.44% versus a gain of 12.30% for VTI.
Over three years, IBTK compounded at +3.90% per year against +21.01% for VTI; over five years the annualized figures are -1.28% and +12.36% respectively. Across the full 6-year window we track, VTI has the edge at +15.76% annualized vs -1.80%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 6.3% for IBTK. 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 -23.1% for IBTK and -25.4% 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 0.45. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBTK 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, IBTK currently yields 3.79% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 23 holdings in IBTK and 3,463 in VTI, totalling 80.9% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 23 positions we hold weights for in IBTK and 3,463 in VTI, against full books of 28 and 3,543.
You are not choosing between two funds in isolation.
Whichever of IBTK 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, IBTK or VTI?
IBTK has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, IBTK or VTI?
Over the past year IBTK returned -0.57% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), IBTK annualized -1.80% vs +15.76% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBTK or VTI?
VTI has been the more volatile fund at 15.7% annualized versus 6.3% for IBTK. Worst drawdown: IBTK -23.1% vs VTI -25.4%.
Should I hold both IBTK and VTI?
IBTK and VTI have a monthly-return correlation of 0.45, 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, IBTK or VTI?
IBTK yields 3.79% while VTI yields 1.03%, so IBTK currently pays the higher dividend yield.
Is VTI better than IBTK?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.