ITDB vs VTI
ITDB vs VTI
iShares LifePath Target Date 2030 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 | ITDB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.03% | |
| AUM | $76M | $663.5B | |
| Dividend Yield | 1.93% | 1.07% | |
| Holdings | 15 | 3,543 | |
| YTD Return | +5.99% | +11.83% | |
| 1Y Return | +12.60% | +21.79% | |
| 3Y Return (annualized) | - | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 7.9% | 15.3% | |
| Max Drawdown | -8.4% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | May 24, 2001 |
ITDB vs VTI Performance
iShares LifePath Target Date 2030 ETF (ITDB) 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 ITDB returned +12.60% while VTI returned +21.79%. Year to date, ITDB is up 5.99% versus a gain of 11.83% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.9% for ITDB. 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 -8.4% for ITDB 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ITDB charges 0.09% per year while VTI charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, ITDB currently yields 1.93% against 1.07% for VTI.
Holdings Overlap
ITDB and VTI share 0 holdings out of 2790 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, ITDB or VTI?
ITDB has an expense ratio of 0.09% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, ITDB or VTI?
Over the past year ITDB returned +12.60% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), ITDB annualized +15.44% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, ITDB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.9% for ITDB. Worst drawdown: ITDB -8.4% vs VTI -56.6%.
Should I hold both ITDB and VTI?
ITDB and VTI have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ITDB and VTI?
ITDB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, ITDB or VTI?
ITDB yields 1.93% while VTI yields 1.07%, so ITDB currently pays the higher dividend yield.
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