ITDJ vs VOO
iShares LifePath Target Date 2070 ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. ITDJ delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | ITDJ | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $15M | $979.0B | |
| Dividend Yield | 1.25% | 1.09% | |
| Holdings | 8 | 509 | |
| YTD Return | +14.15% | +13.79% | |
| 1Y Return | +24.87% | +23.01% | |
| 3Y Return (annualized) | - | +21.78% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 11.8% | 14.1% | |
| Max Drawdown | -16.6% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 12, 2024 | Sep 7, 2010 |
ITDJ vs VOO Performance
iShares LifePath Target Date 2070 ETF (ITDJ) is a ETF from iShares by BlackRock (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year ITDJ returned +24.87% while VOO returned +23.01%. Year to date, ITDJ is up 14.15% versus a gain of 13.79% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 11.8% for ITDJ. 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 -16.6% for ITDJ and -34.3% for VOO. 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDJ charges 0.12% per year while VOO 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, ITDJ currently yields 1.25% against 1.09% for VOO.
Holdings Overlap
ITDJ and VOO share 0 holdings out of 512 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, ITDJ or VOO?
ITDJ has an expense ratio of 0.12% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, ITDJ or VOO?
Over the past year ITDJ returned +24.87% vs +23.01% for VOO, so ITDJ leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +20.21% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, ITDJ or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 11.8% for ITDJ. Worst drawdown: ITDJ -16.6% vs VOO -34.3%.
Should I hold both ITDJ and VOO?
ITDJ and VOO have a monthly-return correlation of 0.95, 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 ITDJ and VOO?
ITDJ and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 512 unique securities.
Which pays a higher dividend, ITDJ or VOO?
ITDJ yields 1.25% while VOO yields 1.09%, so ITDJ currently pays the higher dividend yield.
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