ITDH vs VTI

Quick Verdict

VTI has a lower expense ratio. ITDH delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.

Lower Fees: VTIHigher Returns: ITDHMore Diversified: VTI

Side-by-Side Comparison

MetricITDHVTIWinner
Expense Ratio0.12%0.03%
AUM$38M$663.5B
Dividend Yield1.43%1.07%
Holdings83,543
YTD Return+14.28%+14.20%
1Y Return+25.29%+24.16%
3Y Return (annualized)-+21.12%
5Y Return (annualized)-+12.37%
Volatility (annualized)11.5%15.3%
Max Drawdown-16.3%-56.6%
Fund FamilyiShares by BlackRock (US)Vanguard (US)
CategoryAllocation/BalancedEquity
InceptionOct 17, 2023May 24, 2001

ITDH vs VTI Performance

iShares LifePath Target Date 2060 ETF (ITDH) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ITDH returned +25.29% while VTI returned +24.16%. Year to date, ITDH is up 14.28% versus a gain of 14.20% for VTI.

Risk: Volatility and Drawdowns

VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.5% for ITDH. 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 -16.3% for ITDH 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.

Fees and Cost Over Time

ITDH charges 0.12% per year while VTI charges 0.03%. On a $10,000 position that is $12 vs $3 annually, a gap of $9 per year that compounds over a long holding period. On income, ITDH currently yields 1.43% against 1.07% for VTI.

Holdings Overlap

0.0%overlap

ITDH and VTI share 0 holdings out of 2790 unique holdings combined, representing a 0.0% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Frequently Asked Questions

Which is cheaper, ITDH or VTI?

ITDH has an expense ratio of 0.12% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $9 per year of difference.

Which performed better, ITDH or VTI?

Over the past year ITDH returned +25.29% vs +24.16% for VTI, so ITDH leads on 1-year performance. Over the longest common window we track (3 years), ITDH annualized +24.52% vs +8.14% for VTI. Past performance does not guarantee future results.

Which is riskier, ITDH or VTI?

VTI has been the more volatile fund at 15.3% annualized versus 11.5% for ITDH. Worst drawdown: ITDH -16.3% vs VTI -56.6%.

Should I hold both ITDH and VTI?

ITDH and VTI have a monthly-return correlation of 0.96, 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 ITDH and VTI?

ITDH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.

Which pays a higher dividend, ITDH or VTI?

ITDH yields 1.43% while VTI yields 1.07%, so ITDH currently pays the higher dividend yield.

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