LDRH vs VTI
iShares iBonds 1-5 Year High Yield and Income Ladder 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 2783 holdings.
Side-by-Side Comparison
| Metric | LDRH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $23M | $663.5B | |
| Dividend Yield | 6.47% | 1.07% | |
| Holdings | 1,267 | 3,543 | |
| YTD Return | +1.37% | +13.87% | |
| 1Y Return | +4.19% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 1.8% | 15.3% | |
| Max Drawdown | -3.2% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | May 24, 2001 |
LDRH vs VTI Performance
iShares iBonds 1-5 Year High Yield and Income Ladder ETF (LDRH) 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 LDRH returned +4.19% while VTI returned +23.31%. Year to date, LDRH is up 1.37% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.8% for LDRH. 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 -3.2% for LDRH 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
LDRH charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, LDRH currently yields 6.47% against 1.07% for VTI.
Holdings Overlap
LDRH and VTI share 0 holdings out of 2789 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, LDRH or VTI?
LDRH has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, LDRH or VTI?
Over the past year LDRH returned +4.19% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LDRH annualized +4.94% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, LDRH or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.8% for LDRH. Worst drawdown: LDRH -3.2% vs VTI -56.6%.
Should I hold both LDRH and VTI?
LDRH and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDRH and VTI?
LDRH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, LDRH or VTI?
LDRH yields 6.47% while VTI yields 1.07%, so LDRH currently pays the higher dividend yield.
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