ITDE vs VTI
ITDE vs VTI
iShares LifePath Target Date 2045 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 | ITDE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.11% | 0.03% | |
| AUM | $87M | $663.5B | |
| Dividend Yield | 1.68% | 1.07% | |
| Holdings | 14 | 3,543 | |
| YTD Return | +11.95% | +13.57% | |
| 1Y Return | +22.28% | +24.23% | |
| 3Y Return (annualized) | - | +20.73% | |
| 5Y Return (annualized) | - | +12.24% | |
| Volatility (annualized) | 10.6% | 15.3% | |
| Max Drawdown | -14.7% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | May 24, 2001 |
ITDE vs VTI Performance
iShares LifePath Target Date 2045 ETF (ITDE) 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 ITDE returned +22.28% while VTI returned +24.23%. Year to date, ITDE is up 11.95% versus a gain of 13.57% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.6% for ITDE. 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 -14.7% for ITDE 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDE charges 0.11% per year while VTI charges 0.03%. On a $10,000 position that is $11 vs $3 annually, a gap of $8 per year that compounds over a long holding period. On income, ITDE currently yields 1.68% against 1.07% for VTI.
Holdings Overlap
ITDE and VTI share 0 holdings out of 2796 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, ITDE or VTI?
ITDE has an expense ratio of 0.11% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $8 per year of difference.
Which performed better, ITDE or VTI?
Over the past year ITDE returned +22.28% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), ITDE annualized +22.01% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, ITDE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.6% for ITDE. Worst drawdown: ITDE -14.7% vs VTI -56.6%.
Should I hold both ITDE and VTI?
ITDE and VTI have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between ITDE and VTI?
ITDE and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, ITDE or VTI?
ITDE yields 1.68% while VTI yields 1.07%, so ITDE currently pays the higher dividend yield.
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