IBHK vs VTI
IBHK vs VTI
iShares iBonds 2031 Term High Yield and Income 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 | IBHK | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $71M | $663.5B | |
| Dividend Yield | 6.47% | 1.07% | |
| Holdings | 283 | 3,543 | |
| YTD Return | -1.53% | +13.92% | |
| 1Y Return | +0.95% | +24.07% | |
| 3Y Return (annualized) | - | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 4.0% | 15.3% | |
| Max Drawdown | -4.8% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 22, 2024 | May 24, 2001 |
IBHK vs VTI Performance
iShares iBonds 2031 Term High Yield and Income ETF (IBHK) 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 IBHK returned +0.95% while VTI returned +24.07%. Year to date, IBHK is down 1.53% versus a gain of 13.92% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.0% for IBHK. 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 -4.8% for IBHK 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBHK 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, IBHK currently yields 6.47% against 1.07% for VTI.
Holdings Overlap
IBHK and VTI share 0 holdings out of 2969 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, IBHK or VTI?
IBHK 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, IBHK or VTI?
Over the past year IBHK returned +0.95% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), IBHK annualized +5.39% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, IBHK or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.0% for IBHK. Worst drawdown: IBHK -4.8% vs VTI -56.6%.
Should I hold both IBHK and VTI?
IBHK and VTI have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBHK and VTI?
IBHK and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2969 unique securities.
Which pays a higher dividend, IBHK or VTI?
IBHK yields 6.47% while VTI yields 1.07%, so IBHK currently pays the higher dividend yield.
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