IYLD vs VTI
iShares Morningstar Multi-Asset Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. IYLD offers more diversification with 19,236 holdings.
Side-by-Side Comparison
| Metric | IYLD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $126M | $666.9B | |
| Dividend Yield | 4.59% | 1.07% | |
| Holdings | 19,236 | 3,543 | |
| YTD Return | +3.63% | +13.14% | |
| 1Y Return | +8.57% | +22.35% | |
| 3Y Return (annualized) | +9.75% | +21.83% | |
| 5Y Return (annualized) | +2.70% | +12.01% | |
| Volatility (annualized) | 9.3% | 15.3% | |
| Max Drawdown | -30.2% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Apr 3, 2012 | May 24, 2001 |
IYLD vs VTI Performance
iShares Morningstar Multi-Asset Income ETF (IYLD) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IYLD returned +8.57% while VTI returned +22.35%. Year to date, IYLD is up 3.63% versus a gain of 13.14% for VTI.
Over three years, IYLD compounded at +9.75% per year against +21.83% for VTI; over five years the annualized figures are +2.70% and +12.01% respectively. Across the full 14-year window we track, VTI has the edge at +8.09% annualized vs +4.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.3% for IYLD. 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 -30.2% for IYLD 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IYLD 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, IYLD currently yields 4.59% against 1.07% for VTI.
Holdings Overlap
IYLD and VTI share 38 holdings out of 3520 unique holdings combined, representing a 1.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IYLD or VTI?
IYLD 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, IYLD or VTI?
Over the past year IYLD returned +8.57% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), IYLD annualized +4.00% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IYLD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.3% for IYLD. Worst drawdown: IYLD -30.2% vs VTI -56.6%.
Should I hold both IYLD and VTI?
IYLD and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IYLD and VTI?
IYLD and VTI share 38 common holdings with a 1.4% weight overlap. Combined, they hold 3520 unique securities.
Which pays a higher dividend, IYLD or VTI?
IYLD yields 4.59% while VTI yields 1.07%, so IYLD currently pays the higher dividend yield.
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