Compare · 3 funds side by side · dividends reinvested

IBTO, VTI and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,493SPY · best of the three

02 / 04

IBTO, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.9

iShares iBonds Dec 2033 Term Treasury ETFBonds & Cash · Treasuries0.07%4.24%−1.0%−0.8%+4.4%[…]−5.8%4.4%$520M2.0

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.0

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: IBTO 2023 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

iShares iBonds Dec 2033 Term Treasury ETF · $520M[…]

IBTO

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,697

$10,000 five years ago, dividends reinvested

IBTOMeasureVTI

−1.0%Year to dateJan 1 → Nov 9+11.6%

−0.8%1 yearTotal return+13.9%

+4.4%3 years · per year$10,000 became $11,370 · $18,090+21.8%

[…]5 years · per year$10,000 became […] · $16,697+10.8%

0.07%Expense ratio$7 · $3 a year on $10k · lower is better0.03%

4.24%Trailing 12-mo yield$424 · $106 a year on $10k1.06%

−5.8%Worst dropSmaller is better−8.9%

4.4%VolatilityLower is calmer13.9%

IBTOVTI Winner of the row, in its colourEach row: the bigger of the two fills its side

3–4VTI wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

IBTO vs VTI: Top 5 Holdings

Today

IBTO

[…]in top 5

VTI

in top 525.0%

IBTOStockVTI

not top 5NVDA7.1%

not top 5AAPL6.6%

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

IBTO vs VTI Returns, Every Period

iSharesIBTO

−0.8%

past year

VTIVanguard

+13.9%

past year

IBTOVTIFaded: behind in that period

0–3VTI wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Bonds vs Core: IBTO vs VTI

YTD

iSharesIBTO

−1.0%

VTIVanguard

+11.6%

−1.0%Year to date+11.6%

−5.8%Worst drop · 1Y−8.9%

4.4%Volatility · 1Y13.9%

4.2%Yield1.1%

$520MAssets$689B

3–1IBTO wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: IBTO, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

IBTO0.07%$7

SPY0.09%$9

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: IBTO, VTI, SPY

4.24%highest, IBTO

FundTrailing yieldYield$10k

IBTO4.24%$424

VTI1.06%$106

SPY1.01%$101

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$417most kept, IBTO

IBTO$424 − $7 = $417

VTI$106 − $3 = $103

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: IBTO, VTI, SPY

Today

86.0%most shared, VTI and SPY

IBTOVTISPY

IBTO—[…][…]

VTI[…]—86.0%

SPY[…]86.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+13.9%VTI, at 13.9% volatility

IBTOWorst drop−5.8%4.4% vol

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

IBTOVTI

−1.0%Year to date+11.6%

4.2%Yield1.1%

−0.8%Past year+13.9%

0.07%Fee0.03%

3–1VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026