IVVM vs VTI
iShares Large Cap Moderate Quarterly Laddered ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | IVVM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $174M | $663.5B | |
| Dividend Yield | 0.59% | 1.07% | |
| Holdings | 14 | 3,543 | |
| YTD Return | +9.08% | +14.96% | |
| 1Y Return | +13.76% | +22.39% | |
| 3Y Return (annualized) | +14.17% | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 6.8% | 15.4% | |
| Max Drawdown | -11.6% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 28, 2023 | May 24, 2001 |
IVVM vs VTI Performance
iShares Large Cap Moderate Quarterly Laddered ETF (IVVM) 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 IVVM returned +13.76% while VTI returned +22.39%. Year to date, IVVM is up 9.08% versus a gain of 14.96% for VTI.
Over three years, IVVM compounded at +14.17% per year against +21.51% for VTI. Across the full 3-year window we track, IVVM has the edge at +13.95% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 6.8% for IVVM. 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 -11.6% for IVVM 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
IVVM charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, IVVM currently yields 0.59% against 1.07% for VTI.
Holdings Overlap
IVVM and VTI share 0 holdings out of 2786 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, IVVM or VTI?
IVVM has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, IVVM or VTI?
Over the past year IVVM returned +13.76% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), IVVM annualized +13.95% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, IVVM or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 6.8% for IVVM. Worst drawdown: IVVM -11.6% vs VTI -56.6%.
Should I hold both IVVM and VTI?
IVVM 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 IVVM and VTI?
IVVM and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2786 unique securities.
Which pays a higher dividend, IVVM or VTI?
IVVM yields 0.59% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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