ITDJ vs VTI
iShares LifePath Target Date 2070 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, ITDJ or VTI?
Target Date against Large Cap Blend.
VTI has a lower expense ratio. ITDJ led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.96.
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 | VTI |
|---|---|---|
| Expense Ratio | 0.12% | 0.03%Best |
| AUM | $16M | $666.9B |
| Dividend Yield | 1.22% | 1.03% |
| Holdings | 8 | 3,543 |
| YTD Return | +11.57%Best | +11.06% |
| 1Y Return | +16.63%Best | +15.41% |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 11.8%Best | 13.0% |
| Max Drawdown | -16.6%Best | -19.3% |
| $10,000 over 1.8 years | $13,374Best | $12,736 |
| Top 10 Weight | - | 33.3% |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Target Date | Large Cap Blend |
| Inception | Nov 12, 2024 | May 24, 2001 |
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 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 1.8 years both funds cover.
ITDJ vs VTI Performance
iShares LifePath Target Date 2070 ETF (ITDJ) 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 ITDJ returned +16.63% while VTI returned +15.41%. Year to date, ITDJ is up 11.57% versus a gain of 11.06% 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 13.0% 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 -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 0.96. 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 1.22% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 7 holdings in ITDJ 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 7 positions we hold weights for in ITDJ and 3,463 in VTI, against full books of 8 and 3,543.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for ITDJ (97.5% of the fund), and 7 for ITDJ that do not appear in VTI (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 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, ITDJ or VTI?
ITDJ has an expense ratio of 0.12% while VTI charges 0.03%. VTI is the cheaper option, by $9 a year on a $10,000 investment.
Which performed better, ITDJ or VTI?
Over the past year ITDJ returned +16.63% vs +15.41% for VTI, so ITDJ leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +17.53% vs +14.38% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ITDJ or VTI?
VTI has been the more volatile fund at 13.0% annualized versus 11.8% for ITDJ. Worst drawdown: ITDJ -16.6% vs VTI -19.3%.
Should I hold both ITDJ and VTI?
ITDJ and VTI have a monthly-return correlation of 0.96, 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 VTI?
ITDJ yields 1.22% while VTI yields 1.03%, so ITDJ currently pays the higher dividend yield.
Is VTI better than ITDJ?
VTI has a lower expense ratio. ITDJ led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.96. Which one suits a particular account depends on what it is for. This is information, not a recommendation.