ICSH vs VTI
iShares Ultra Short Duration Bond Active ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, ICSH or VTI?
Ultrashort Term Bond against Large Cap Blend.
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 | ICSH | VTI |
|---|---|---|
| Expense Ratio | 0.08% | 0.03%Best |
| AUM | $8.6B | $666.9B |
| Dividend Yield | 4.27% | 1.03% |
| Holdings | 393 | 3,543 |
| YTD Return | -0.40% | +12.57%Best |
| 1Y Return | +0.56% | +17.22%Best |
| 3Y Return (annualized) | +3.88% | +20.87%Best |
| 5Y Return (annualized) | +3.21% | +11.86%Best |
| Volatility (annualized) | 10.3%Best | 15.0% |
| Max Drawdown | -23.3%Best | -35.0% |
| $10,000 over 5 years | $11,711 | $17,514Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Ultrashort Term Bond | Large Cap Blend |
| Inception | Dec 11, 2013 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Dec 13, 2013 to Sep 11, 2026 (12.7 years).
ICSH 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
ICSH vs VTI Performance
iShares Ultra Short Duration Bond Active ETF (ICSH) 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 ICSH returned +0.56% while VTI returned +17.22%. Year to date, ICSH is down 0.40% versus a gain of 12.57% for VTI.
Over three years, ICSH compounded at +3.88% per year against +20.87% for VTI; over five years the annualized figures are +3.21% and +11.86% respectively. Across the full 13-year window we track, VTI has the edge at +12.32% annualized vs +2.08%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.0% compared with 10.3% for ICSH. 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 -23.3% for ICSH and -35.0% 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 0.08. They move largely independently of each other.
Fees and Cost Over Time
ICSH charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, ICSH currently yields 4.27% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 117 holdings in ICSH and 2,787 in VTI, totalling 20.6% and 90.6% 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 117 positions we hold weights for in ICSH and 2,787 in VTI, against full books of 393 and 3,543.
You are not choosing between two funds in isolation.
Whichever of ICSH 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, ICSH or VTI?
ICSH has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option, by $5 a year on a $10,000 investment.
Which performed better, ICSH or VTI?
Over the past year ICSH returned +0.56% vs +17.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (13 years), ICSH annualized +2.08% vs +12.32% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ICSH or VTI?
VTI has been the more volatile fund at 15.0% annualized versus 10.3% for ICSH. Worst drawdown: ICSH -23.3% vs VTI -35.0%.
Should I hold both ICSH and VTI?
ICSH and VTI have a monthly-return correlation of 0.08, 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, ICSH or VTI?
ICSH yields 4.27% while VTI yields 1.03%, so ICSH currently pays the higher dividend yield.
Is VTI better than ICSH?
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.