LDRT vs VTI
iShares iBonds 1-5 Year Treasury 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 | LDRT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $207M | $663.5B | |
| Dividend Yield | 3.79% | 1.07% | |
| Holdings | 180 | 3,543 | |
| YTD Return | +0.34% | +14.20% | |
| 1Y Return | +2.44% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 1.7% | 15.3% | |
| Max Drawdown | -1.4% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | May 24, 2001 |
LDRT vs VTI Performance
iShares iBonds 1-5 Year Treasury Ladder ETF (LDRT) 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 LDRT returned +2.44% while VTI returned +24.16%. Year to date, LDRT is up 0.34% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.7% for LDRT. 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 -1.4% for LDRT 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 -0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDRT charges 0.07% per year while VTI charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, LDRT currently yields 3.79% against 1.07% for VTI.
Holdings Overlap
LDRT and VTI share 0 holdings out of 2788 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, LDRT or VTI?
LDRT has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, LDRT or VTI?
Over the past year LDRT returned +2.44% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LDRT annualized +3.67% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, LDRT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.7% for LDRT. Worst drawdown: LDRT -1.4% vs VTI -56.6%.
Should I hold both LDRT and VTI?
LDRT and VTI have a monthly-return correlation of -0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDRT and VTI?
LDRT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, LDRT or VTI?
LDRT yields 3.79% while VTI yields 1.07%, so LDRT currently pays the higher dividend yield.
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