ITDB vs VTI
iShares LifePath Target Date 2030 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, ITDB or VTI?
Target Date against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.90.
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 | ITDB | VTI |
|---|---|---|
| Expense Ratio | 0.09% | 0.03%Best |
| AUM | $82M | $666.9B |
| Dividend Yield | 1.91% | 1.03% |
| Holdings | 15 | 3,543 |
| YTD Return | +6.20% | +12.57%Best |
| 1Y Return | +9.06% | +17.22%Best |
| 3Y Return (annualized) | +14.91% | +20.87%Best |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 7.9%Best | 12.8% |
| Max Drawdown | -8.4%Best | -19.3% |
| $10,000 over 2.9 years | $14,964 | $18,491Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Target Date | Large Cap Blend |
| Inception | Oct 17, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Oct 19, 2023 to Sep 11, 2026 (2.9 years).
ITDB 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 2.9 years both funds cover.
ITDB vs VTI Performance
iShares LifePath Target Date 2030 ETF (ITDB) 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 ITDB returned +9.06% while VTI returned +17.22%. Year to date, ITDB is up 6.20% versus a gain of 12.57% for VTI.
Over three years, ITDB compounded at +14.91% per year against +20.87% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 7.9% for ITDB. 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 -8.4% for ITDB and -19.3% 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 0.90. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDB 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, ITDB currently yields 1.91% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 14 holdings in ITDB and 2,787 in VTI, totalling 100.0% and 90.6% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 63 days apart, ITDB as of Sep 1, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 14 positions we hold weights for in ITDB and 2,787 in VTI, against full books of 15 and 3,543.
You are not choosing between two funds in isolation.
Whichever of ITDB 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, ITDB or VTI?
ITDB 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, ITDB or VTI?
Over the past year ITDB returned +9.06% vs +17.22% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ITDB or VTI?
VTI has been the more volatile fund at 12.8% annualized versus 7.9% for ITDB. Worst drawdown: ITDB -8.4% vs VTI -19.3%.
Should I hold both ITDB and VTI?
ITDB and VTI have a monthly-return correlation of 0.90, 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.
Which pays a higher dividend, ITDB or VTI?
ITDB yields 1.91% while VTI yields 1.03%, so ITDB currently pays the higher dividend yield.
Is VTI better than ITDB?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.90. Which one suits a particular account depends on what it is for. This is information, not a recommendation.