ITDB vs VYM
ITDB vs VYM
iShares LifePath Target Date 2030 ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | ITDB | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.04% | |
| AUM | $76M | $79.0B | |
| Dividend Yield | 1.93% | 2.86% | |
| Holdings | 15 | 568 | |
| YTD Return | +5.99% | +13.82% | |
| 1Y Return | +12.60% | +24.08% | |
| 3Y Return (annualized) | - | +17.72% | |
| 5Y Return (annualized) | - | +12.13% | |
| Volatility (annualized) | 7.9% | 14.6% | |
| Max Drawdown | -8.4% | -58.8% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | Nov 10, 2006 |
ITDB vs VYM Performance
iShares LifePath Target Date 2030 ETF (ITDB) is a ETF from iShares by BlackRock (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year ITDB returned +12.60% while VYM returned +24.08%. Year to date, ITDB is up 5.99% versus a gain of 13.82% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% 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 -58.8% for VYM. 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ITDB charges 0.09% per year while VYM charges 0.04%. On a $10,000 position that is $9 vs $4 annually, a gap of $5 per year that compounds over a long holding period. On income, ITDB currently yields 1.93% against 2.86% for VYM.
Holdings Overlap
ITDB and VYM share 0 holdings out of 565 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 VYM?
ITDB has an expense ratio of 0.09% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, ITDB or VYM?
Over the past year ITDB returned +12.60% vs +24.08% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), ITDB annualized +15.44% vs +6.98% for VYM. Past performance does not guarantee future results.
Which is riskier, ITDB or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 7.9% for ITDB. Worst drawdown: ITDB -8.4% vs VYM -58.8%.
Should I hold both ITDB and VYM?
ITDB and VYM have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ITDB and VYM?
ITDB and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 565 unique securities.
Which pays a higher dividend, ITDB or VYM?
ITDB yields 1.93% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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