LQDI vs VTI
LQDI vs VTI
iShares Inflation Hedged Corporate Bond 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 | LQDI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.03% | |
| AUM | $69M | $663.5B | |
| Dividend Yield | 4.60% | 1.07% | |
| Holdings | 128 | 3,543 | |
| YTD Return | -2.20% | +14.20% | |
| 1Y Return | -0.91% | +24.16% | |
| 3Y Return (annualized) | +3.97% | +21.12% | |
| 5Y Return (annualized) | +0.42% | +12.37% | |
| Volatility (annualized) | 9.1% | 15.3% | |
| Max Drawdown | -29.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 8, 2018 | May 24, 2001 |
LQDI vs VTI Performance
iShares Inflation Hedged Corporate Bond ETF (LQDI) 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 LQDI returned -0.91% while VTI returned +24.16%. Year to date, LQDI is down 2.20% versus a gain of 14.20% for VTI.
Over three years, LQDI compounded at +3.97% per year against +21.12% for VTI; over five years the annualized figures are +0.42% and +12.37% respectively. Across the full 8-year window we track, VTI has the edge at +8.14% annualized vs +3.70%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.1% for LQDI. 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 -29.0% for LQDI 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
LQDI charges 0.18% per year while VTI charges 0.03%. On a $10,000 position that is $18 vs $3 annually, a gap of $15 per year that compounds over a long holding period. On income, LQDI currently yields 4.60% against 1.07% for VTI.
Holdings Overlap
LQDI and VTI share 0 holdings out of 2785 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, LQDI or VTI?
LQDI has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $15 per year of difference.
Which performed better, LQDI or VTI?
Over the past year LQDI returned -0.91% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), LQDI annualized +3.70% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, LQDI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.1% for LQDI. Worst drawdown: LQDI -29.0% vs VTI -56.6%.
Should I hold both LQDI and VTI?
LQDI and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LQDI and VTI?
LQDI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, LQDI or VTI?
LQDI yields 4.60% while VTI yields 1.07%, so LQDI currently pays the higher dividend yield.
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