ITDJ vs VOO
iShares LifePath Target Date 2070 ETF vs Vanguard S&P 500 ETF
Which is better, ITDJ or VOO?
Target Date against Large Cap Blend.
VOO has a lower expense ratio. ITDJ led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.95.
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 | ITDJ | VOO |
|---|---|---|
| Expense Ratio | 0.12% | 0.03%Best |
| AUM | $16M | $997.4B |
| Dividend Yield | 1.22% | 1.04% |
| Holdings | 8 | 509 |
| YTD Return | +11.57%Best | +11.01% |
| 1Y Return | +16.63%Best | +15.60% |
| 3Y Return (annualized) | - | +20.82% |
| 5Y Return (annualized) | - | +12.60% |
| Volatility (annualized) | 11.8%Best | 12.8% |
| Max Drawdown | -16.6%Best | -18.7% |
| $10,000 over 1.8 years | $13,374Best | $12,830 |
| Top 10 Weight | - | 37.6% |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Target Date | Large Cap Blend |
| Inception | Nov 12, 2024 | Sep 7, 2010 |
Volatility and max drawdown, and the $10,000 over 1.8 years row, are measured over the window both funds cover: Nov 13, 2024 to Sep 16, 2026 (1.8 years).
ITDJ vs VOO 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 1.8 years both funds cover.
ITDJ vs VOO Performance
iShares LifePath Target Date 2070 ETF (ITDJ) is an ETF from iShares by BlackRock (US) and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year ITDJ returned +16.63% while VOO returned +15.60%. Year to date, ITDJ is up 11.57% versus a gain of 11.01% for VOO.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 12.8% 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 -18.7% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 1.22% against 1.04% for VOO.
Holdings Overlap
We hold position weights for 7 holdings in ITDJ and 494 in VOO, totalling 100.0% and 99.5% 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 7 positions we hold weights for in ITDJ and 494 in VOO, against full books of 8 and 509.
What only one of them owns
Our book lists 487 positions for VOO that do not appear in our book for ITDJ (99.2% of the fund), and 7 for ITDJ that do not appear in VOO (100.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of ITDJ and VOO 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, ITDJ or VOO?
ITDJ has an expense ratio of 0.12% while VOO charges 0.03%. VOO is the cheaper option, by $9 a year on a $10,000 investment.
Which performed better, ITDJ or VOO?
Over the past year ITDJ returned +16.63% vs +15.60% for VOO, so ITDJ leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +17.53% vs +14.85% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ITDJ or VOO?
VOO has been the more volatile fund at 12.8% annualized versus 11.8% for ITDJ. Worst drawdown: ITDJ -16.6% vs VOO -18.7%.
Should I hold both ITDJ and VOO?
ITDJ and VOO have a monthly-return correlation of 0.95, 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, ITDJ or VOO?
ITDJ yields 1.22% while VOO yields 1.04%, so ITDJ currently pays the higher dividend yield.
Is VOO better than ITDJ?
VOO has a lower expense ratio. ITDJ led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.95. Which one suits a particular account depends on what it is for. This is information, not a recommendation.