ILCB vs VTI
iShares Morningstar US Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, ILCB or VTI?
Each has led over a different period.
ILCB led over the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 37.4%.
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 | ILCB | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $1.3B | $690.1B |
| Dividend Yield | 0.96% | 1.03% |
| Holdings | 530 | 3,524 |
| Volatility (annualized) | 14.6%Best | 15.2% |
| Max Drawdown | -52.8%Best | -56.6% |
| $10,000 over 22.3 years | $77,701Best | $75,518 |
| Top 10 Weight | 37.4% | 33.3%Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jun 28, 2004 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 10 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. ILCB has data through Oct 2, 2026 and VTI through Oct 12, 2026.
Volatility and max drawdown, and the $10,000 over 22.3 years row, are measured over the window both funds cover: Jul 2, 2004 to Oct 2, 2026 (22.3 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 14.6% for ILCB. 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 -52.8% for ILCB and -56.6% 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ILCB charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, ILCB currently yields 0.96% against 1.03% for VTI.
Holdings Overlap
98.6% of ILCB's money is in holdings VTI also owns. 89.2% of VTI's money is in holdings ILCB also owns.
Most of ILCB is already inside VTI. Owning both mostly buys the same companies twice.
510 positions in common, counted across the 527 positions we hold weights for in ILCB and 3,463 in VTI, against full books of 530 and 3,524.
What only one of them owns
Our book lists 651 positions for VTI that do not appear in our book for ILCB (8.6% of the fund), and 11 for ILCB that do not appear in VTI (0.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in ILCB | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 7.66% | 6.40% | 1.26% |
| AAPLApple, Inc | 7.29% | 6.29% | 1.00% |
| MSFTMicrosoft Corp | 5.51% | 4.79% | 0.72% |
| AMZNAmazon.Com Inc | 3.77% | 3.65% | 0.12% |
| GOOGLAlphabet Inc,class A | 2.96% | 2.90% | 0.06% |
| AVGOBroadcom Inc | 2.52% | 2.56% | 0.04% |
| GOOGAlphabet Inc. C | 2.36% | 2.31% | 0.05% |
| METAMeta Platforms Inc | 2.12% | 1.70% | 0.42% |
| MUMicron Technology, Inc. | 1.64% | 1.29% | 0.35% |
| TSLATesla Inc | 1.54% | 1.22% | 0.32% |
98.6% of ILCB is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, ILCB or VTI?
ILCB has an expense ratio of 0.03% while VTI charges 0.03%. At the precision these are quoted to, they cost the same.
Which is riskier, ILCB or VTI?
VTI has been the more volatile fund at 15.2% annualized versus 14.6% for ILCB. Worst drawdown: ILCB -52.8% vs VTI -56.6%.
Should I hold both ILCB and VTI?
ILCB and VTI have a monthly-return correlation of 0.98, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between ILCB and VTI?
98.6% of ILCB's money is in holdings VTI also owns. 89.2% of VTI's is in holdings ILCB also owns. They hold 510 positions in common, counted across the 527 positions we hold weights for in ILCB and 3,463 in VTI.
Which pays a higher dividend, ILCB or VTI?
ILCB yields 0.96% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than ILCB?
ILCB led over the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 37.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.