IGIB vs VTI
iShares 5-10 Year Investment Grade Corporate 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 | IGIB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.03% | |
| AUM | $18.6B | $663.5B | |
| Dividend Yield | 4.80% | 1.07% | |
| Holdings | 2,986 | 3,543 | |
| YTD Return | -0.75% | +13.87% | |
| 1Y Return | +2.22% | +23.31% | |
| 3Y Return (annualized) | +6.21% | +21.17% | |
| 5Y Return (annualized) | +0.92% | +12.23% | |
| Volatility (annualized) | 5.7% | 15.3% | |
| Max Drawdown | -20.6% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 5, 2007 | May 24, 2001 |
IGIB vs VTI Performance
iShares 5-10 Year Investment Grade Corporate Bond ETF (IGIB) 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 IGIB returned +2.22% while VTI returned +23.31%. Year to date, IGIB is down 0.75% versus a gain of 13.87% for VTI.
Over three years, IGIB compounded at +6.21% per year against +21.17% for VTI; over five years the annualized figures are +0.92% and +12.23% respectively. Across the full 20-year window we track, VTI has the edge at +8.13% annualized vs +1.26%. 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 5.7% for IGIB. 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 -20.6% for IGIB 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IGIB charges 0.04% per year while VTI charges 0.03%. On a $10,000 position that is $4 vs $3 annually, a gap of $1 per year that compounds over a long holding period. On income, IGIB currently yields 4.80% against 1.07% for VTI.
Holdings Overlap
IGIB and VTI share 0 holdings out of 2797 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, IGIB or VTI?
IGIB has an expense ratio of 0.04% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, IGIB or VTI?
Over the past year IGIB returned +2.22% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), IGIB annualized +1.26% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, IGIB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.7% for IGIB. Worst drawdown: IGIB -20.6% vs VTI -56.6%.
Should I hold both IGIB and VTI?
IGIB and VTI have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IGIB and VTI?
IGIB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, IGIB or VTI?
IGIB yields 4.80% while VTI yields 1.07%, so IGIB currently pays the higher dividend yield.
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