ITDG vs VTI
ITDG vs VTI
iShares LifePath Target Date 2055 ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. ITDG delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | ITDG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $56M | $663.5B | |
| Dividend Yield | 1.43% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | +13.35% | +13.39% | |
| 1Y Return | +24.41% | +23.21% | |
| 3Y Return (annualized) | - | +20.65% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 11.5% | 15.3% | |
| Max Drawdown | -16.6% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | May 24, 2001 |
ITDG vs VTI Performance
iShares LifePath Target Date 2055 ETF (ITDG) 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 ITDG returned +24.41% while VTI returned +23.21%. Year to date, ITDG is up 13.35% versus a gain of 13.39% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.5% for ITDG. 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 -16.6% for ITDG 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDG charges 0.12% per year while VTI charges 0.03%. On a $10,000 position that is $12 vs $3 annually, a gap of $9 per year that compounds over a long holding period. On income, ITDG currently yields 1.43% against 1.07% for VTI.
Holdings Overlap
ITDG 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, ITDG or VTI?
ITDG has an expense ratio of 0.12% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, ITDG or VTI?
Over the past year ITDG returned +24.41% vs +23.21% for VTI, so ITDG leads on 1-year performance. Over the longest common window we track (3 years), ITDG annualized +24.05% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, ITDG or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.5% for ITDG. Worst drawdown: ITDG -16.6% vs VTI -56.6%.
Should I hold both ITDG and VTI?
ITDG and VTI have a monthly-return correlation of 0.96, 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 ITDG and VTI?
ITDG and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, ITDG or VTI?
ITDG yields 1.43% while VTI yields 1.07%, so ITDG currently pays the higher dividend yield.
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