ITDC vs VTI
iShares LifePath Target Date 2035 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, ITDC 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 0.92. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 97.8%.
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 | ITDC | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $114M | $666.9B |
| Dividend Yield | 1.85% | 1.03% |
| Holdings | 15 | 3,543 |
| YTD Return | +7.66% | +12.28%Best |
| 1Y Return | +10.94% | +16.78%Best |
| 3Y Return (annualized) | +16.84% | +20.89%Best |
| 5Y Return (annualized) | - | +11.94% |
| Volatility (annualized) | 8.8%Best | 12.8% |
| Max Drawdown | -10.4%Best | -19.3% |
| $10,000 over 2.9 years | $15,704 | $18,378Best |
| Top 10 Weight | 97.8% | 33.3%Best |
| 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 |
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 17, 2026 (2.9 years).
ITDC 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.
ITDC vs VTI Performance
iShares LifePath Target Date 2035 ETF (ITDC) 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 ITDC returned +10.94% while VTI returned +16.78%. Year to date, ITDC is up 7.66% versus a gain of 12.28% for VTI.
Over three years, ITDC compounded at +16.84% per year against +20.89% 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 8.8% for ITDC. 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 -10.4% for ITDC 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDC charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, ITDC currently yields 1.85% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 14 holdings in ITDC and 3,463 in VTI, totalling 100.0% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 14 positions we hold weights for in ITDC and 3,463 in VTI, against full books of 15 and 3,543.
What only one of them owns
Measured across the 14 and 3,463 positions we hold weights for.
VTI holds 1,150 positions ITDC does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of ITDC 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, ITDC or VTI?
ITDC has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, ITDC or VTI?
Over the past year ITDC returned +10.94% vs +16.78% 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, ITDC or VTI?
VTI has been the more volatile fund at 12.8% annualized versus 8.8% for ITDC. Worst drawdown: ITDC -10.4% vs VTI -19.3%.
Should I hold both ITDC and VTI?
ITDC and VTI have a monthly-return correlation of 0.92, 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, ITDC or VTI?
ITDC yields 1.85% while VTI yields 1.03%, so ITDC currently pays the higher dividend yield.
Is VTI better than ITDC?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.92. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 97.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.