IBHI vs VTI
iShares iBonds 2029 Term High Yield and Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBHI or VTI?
High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
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 | IBHI | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $531M | $689.2B |
| Dividend Yield | 6.77% | 1.06% |
| Holdings | 740 | 3,524 |
| YTD Return | -3.58% | +13.02%Best |
| 1Y Return | -2.55% | +16.63%Best |
| 3Y Return (annualized) | +7.08% | +21.97%Best |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 8.6%Best | 15.9% |
| Max Drawdown | -13.7%Best | -22.4% |
| $10,000 over 4.6 years | $11,699 | $18,740Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Mar 8, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Mar 10, 2022 to Oct 14, 2026 (4.6 years).
IBHI 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 4.6 years both funds cover.
IBHI vs VTI Performance
iShares iBonds 2029 Term High Yield and Income ETF (IBHI) 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 IBHI returned -2.55% while VTI returned +16.63%. Year to date, IBHI is down 3.58% versus a gain of 13.02% for VTI.
Over three years, IBHI compounded at +7.08% per year against +21.97% 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 15.9% compared with 8.6% for IBHI. 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 -13.7% for IBHI and -22.4% 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHI 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, IBHI currently yields 6.77% against 1.06% for VTI.
Holdings Overlap
We hold position weights for 341 holdings in IBHI and 3,441 in VTI, totalling 93.8% 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 341 positions we hold weights for in IBHI and 3,441 in VTI, against full books of 740 and 3,524.
You are not choosing between two funds in isolation.
Whichever of IBHI 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, IBHI or VTI?
IBHI has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, IBHI or VTI?
Over the past year IBHI returned -2.55% vs +16.63% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBHI or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 8.6% for IBHI. Worst drawdown: IBHI -13.7% vs VTI -22.4%.
Should I hold both IBHI and VTI?
IBHI and VTI have a monthly-return correlation of 0.85, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IBHI or VTI?
IBHI yields 6.77% while VTI yields 1.06%, so IBHI currently pays the higher dividend yield.
Is VTI better than IBHI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.