IBTQ vs VTI
iShares iBonds Dec 2035 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 | IBTQ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $241M | $666.9B | |
| Dividend Yield | 6.53% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +1.86% | +13.14% | |
| 1Y Return | +4.70% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 4.1% | 15.3% | |
| Max Drawdown | -4.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | May 24, 2001 |
IBTQ vs VTI Performance
iShares iBonds Dec 2035 Term Treasury ETF (IBTQ) 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 IBTQ returned +4.70% while VTI returned +22.35%. Year to date, IBTQ is up 1.86% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.1% for IBTQ. 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 IBTQ 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBTQ 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, IBTQ currently yields 6.53% against 1.07% for VTI.
Holdings Overlap
IBTQ and VTI share 0 holdings out of 2791 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, IBTQ or VTI?
IBTQ 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, IBTQ or VTI?
Over the past year IBTQ returned +4.70% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), IBTQ annualized +5.80% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IBTQ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.1% for IBTQ. Worst drawdown: IBTQ -4.0% vs VTI -56.6%.
Should I hold both IBTQ and VTI?
IBTQ and VTI have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBTQ and VTI?
IBTQ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, IBTQ or VTI?
IBTQ yields 6.53% while VTI yields 1.07%, so IBTQ currently pays the higher dividend yield.
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