IJH vs VTI
iShares Core S&P Mid-Cap ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. IJH delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | IJH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.05% | 0.03% | |
| AUM | $128.3B | $666.9B | |
| Dividend Yield | 1.19% | 1.07% | |
| Holdings | 413 | 3,543 | |
| YTD Return | +14.69% | +12.65% | |
| 1Y Return | +21.74% | +21.39% | |
| 3Y Return (annualized) | +15.30% | +21.54% | |
| 5Y Return (annualized) | +8.80% | +12.11% | |
| Volatility (annualized) | 17.7% | 15.3% | |
| Max Drawdown | -56.1% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 22, 2000 | May 24, 2001 |
IJH vs VTI Performance
iShares Core S&P Mid-Cap ETF (IJH) 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 IJH returned +21.74% while VTI returned +21.39%. Year to date, IJH is up 14.69% versus a gain of 12.65% for VTI.
Over three years, IJH compounded at +15.30% per year against +21.54% for VTI; over five years the annualized figures are +8.80% and +12.11% respectively. Across the full 25-year window we track, IJH has the edge at +8.72% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IJH has been the more volatile fund, with annualized monthly volatility of 17.7% compared with 15.3% for VTI. 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 -56.1% for IJH 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
IJH charges 0.05% per year while VTI charges 0.03%. On a $10,000 position that is $5 vs $3 annually, a gap of $2 per year that compounds over a long holding period. On income, IJH currently yields 1.19% against 1.07% for VTI.
Holdings Overlap
IJH and VTI share 292 holdings out of 2890 unique holdings combined, representing a 2.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IJH or VTI?
IJH has an expense ratio of 0.05% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, IJH or VTI?
Over the past year IJH returned +21.74% vs +21.39% for VTI, so IJH leads on 1-year performance. Over the longest common window we track (25 years), IJH annualized +8.72% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, IJH or VTI?
IJH has been the more volatile fund at 17.7% annualized versus 15.3% for VTI. Worst drawdown: IJH -56.1% vs VTI -56.6%.
Should I hold both IJH and VTI?
IJH and VTI have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between IJH and VTI?
IJH and VTI share 292 common holdings with a 2.7% weight overlap. Combined, they hold 2890 unique securities.
Which pays a higher dividend, IJH or VTI?
IJH yields 1.19% while VTI yields 1.07%, so IJH currently pays the higher dividend yield.
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