ITDJ vs VTI
iShares LifePath Target Date 2070 ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. ITDJ delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | ITDJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $15M | $663.5B | |
| Dividend Yield | 1.25% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | +14.55% | +14.22% | |
| 1Y Return | +23.71% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 11.8% | 15.3% | |
| Max Drawdown | -16.6% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 12, 2024 | May 24, 2001 |
ITDJ vs VTI Performance
iShares LifePath Target Date 2070 ETF (ITDJ) 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 ITDJ returned +23.71% while VTI returned +22.19%. Year to date, ITDJ is up 14.55% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -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
ITDJ 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, ITDJ currently yields 1.25% against 1.07% for VTI.
Holdings Overlap
ITDJ 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, ITDJ or VTI?
ITDJ 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, ITDJ or VTI?
Over the past year ITDJ returned +23.71% vs +22.19% for VTI, so ITDJ leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +20.38% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, ITDJ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.8% for ITDJ. Worst drawdown: ITDJ -16.6% vs VTI -56.6%.
Should I hold both ITDJ and VTI?
ITDJ 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 ITDJ and VTI?
ITDJ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, ITDJ or VTI?
ITDJ yields 1.25% while VTI yields 1.07%, so ITDJ currently pays the higher dividend yield.
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