IPAC vs VTI
iShares Core MSCI Pacific ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IPAC or VTI?
All Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. IPAC led over 1Y, VTI over 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 | IPAC | VTI |
|---|---|---|
| Expense Ratio | 0.09% | 0.03%Best |
| AUM | $2.8B | $666.9B |
| Dividend Yield | 3.74% | 1.03% |
| Holdings | 1,383 | 3,543 |
| YTD Return | +16.23%Best | +11.65% |
| 1Y Return | +20.31%Best | +17.34% |
| 3Y Return (annualized) | +18.19% | +20.35%Best |
| 5Y Return (annualized) | +7.80% | +11.72%Best |
| Volatility (annualized) | 13.8%Best | 15.2% |
| Max Drawdown | -35.1% | -35.0%Best |
| $10,000 over 5 years | $14,558 | $17,404Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Jun 10, 2014 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jun 12, 2014 to Sep 10, 2026 (12.2 years).
IPAC 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 covers the 12.2 years both funds cover.
IPAC vs VTI Performance
iShares Core MSCI Pacific ETF (IPAC) 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 IPAC returned +20.31% while VTI returned +17.34%. Year to date, IPAC is up 16.23% versus a gain of 11.65% for VTI.
Over three years, IPAC compounded at +18.19% per year against +20.35% for VTI; over five years the annualized figures are +7.80% and +11.72% respectively. Across the full 12-year window we track, VTI has the edge at +12.03% annualized vs +5.97%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 13.8% for IPAC. 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 -35.1% for IPAC 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IPAC charges 0.09% per year while VTI charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, IPAC currently yields 3.74% against 1.03% for VTI.
Holdings Overlap
At least 0.2% of IPAC's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
4 positions in common, counted across the 1,366 positions we hold weights for in IPAC and 2,787 in VTI, against full books of 1,383 and 3,543.
You are not choosing between two funds in isolation.
Whichever of IPAC 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, IPAC or VTI?
IPAC has an expense ratio of 0.09% while VTI charges 0.03%. VTI is the cheaper option, by $6 a year on a $10,000 investment.
Which performed better, IPAC or VTI?
Over the past year IPAC returned +20.31% vs +17.34% for VTI, so IPAC leads on 1-year performance. Over the longest common window we track (12 years), IPAC annualized +5.97% vs +12.03% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IPAC or VTI?
VTI has been the more volatile fund at 15.2% annualized versus 13.8% for IPAC. Worst drawdown: IPAC -35.1% vs VTI -35.0%.
Should I hold both IPAC and VTI?
IPAC and VTI have a monthly-return correlation of 0.80, 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, IPAC or VTI?
IPAC yields 3.74% while VTI yields 1.03%, so IPAC currently pays the higher dividend yield.
Is VTI better than IPAC?
VTI has a lower expense ratio. IPAC led over 1Y, VTI over 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.