ITDE vs. VTI

Last updated Jun 3, 2026

ITDE (Ishares Lifepath Target Date 2045 ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - ITDE is a Target Retirement Date fund actively managed by iShares, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. ITDE is actively managed, while VTI is passively managed. Over the past year, ITDE returned 26.37% vs 30.01% for VTI. With a 0.95 correlation, they move nearly in lockstep. ITDE charges 0.11%/yr vs 0.03%/yr for VTI.

Performance

ITDE vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Ishares Lifepath Target Date 2045 ETF (ITDE) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ITDE achieves a 11.20% return, which is significantly lower than VTI's 12.01% return.

ITDE

• 1D: 0.35%
• 1M: 4.16%
• YTD: 11.20%
• 6M: 12.36%
• 1Y: 26.37%
• 3Y*: —
• 5Y*: —
• 10Y*: —

VTI

• 1D: 0.26%
• 1M: 5.37%
• YTD: 12.01%
• 6M: 12.40%
• 1Y: 30.01%
• 3Y*: 22.37%
• 5Y*: 13.05%
• 10Y*: 15.13%

*Multi-year figures are annualized to reflect compound growth (CAGR)

ITDE vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023
ITDE Ishares Lifepath Target Date 2045 ETF	11.20%	19.34%	14.62%	13.21%
VTI Vanguard Total Stock Market ETF	12.01%	17.10%	23.81%	12.87%

Correlation

The correlation between ITDE and VTI is 0.95, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.95
Correlation (All Time) Calculated using the full available price history since Oct 20, 2023	0.95

The correlation between ITDE and VTI has been stable across timeframes, ranging from 0.95 to 0.95 - a consistent structural relationship.

ITDE vs. VTI - Sectors Allocation Comparison

Sectors	ITDE	VTI
Technology	25.8%	33.5%
Financial Services	15.3%	12.0%
Industrials	11.7%	9.8%
Consumer Cyclical	8.9%	10.0%
Healthcare	7.9%	9.2%
Communication Services	7.8%	10.3%
Real Estate	6.7%	2.4%
Consumer Defensive	4.6%	4.7%
Energy	4.3%	3.7%
Basic Materials	4.1%	2.0%
Utilities	2.9%	2.3%

Return for Risk

ITDE vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ITDE

ITDE Risk / Return Rank: 71
ITDE Sharpe Ratio Rank: 73
ITDE Sortino Ratio Rank: 74
ITDE Omega Ratio Rank: 73
ITDE Calmar Ratio Rank: 63
ITDE Martin Ratio Rank: 73

VTI

VTI Risk / Return Rank: 74
VTI Sharpe Ratio Rank: 75
VTI Sortino Ratio Rank: 74
VTI Omega Ratio Rank: 74
VTI Calmar Ratio Rank: 68
VTI Martin Ratio Rank: 80

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ITDE vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Ishares Lifepath Target Date 2045 ETF (ITDE) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	ITDE	VTI	Difference
Sharpe ratio Return per unit of total volatility	2.42	2.48	-0.06
Sortino ratio Return per unit of downside risk	3.39	3.37	+0.02
Omega ratio Gain probability vs. loss probability	1.44	1.45	0.00
Calmar ratio Return relative to maximum drawdown	3.17	3.44	-0.27
Martin ratio Return relative to average drawdown	13.97	15.88	-1.91
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

ITDE vs. VTI - Sharpe Ratio Comparison

The current ITDE Sharpe Ratio is 2.42, which is comparable to the VTI Sharpe Ratio of 2.48. The chart below compares the historical Sharpe Ratios of ITDE and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	ITDE	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.42	2.48	-0.06
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.75	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.83	—
Sharpe Ratio (All Time) Calculated using the full available price history	1.80	0.51	+1.30

Drawdowns

ITDE vs. VTI - Drawdown Comparison

The maximum ITDE drawdown since its inception was -14.67%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for ITDE and VTI.

Drawdown Indicators

	ITDE	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-14.67%	-55.45%	+40.78%
Max Drawdown (1Y) Largest decline over 1 year	-8.44%	-8.92%	+0.48%
Max Drawdown (3Y) Largest decline over 3 years	—	-19.30%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-25.36%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-35.00%	—
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-1.42%	-8.03%	+6.61%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.92%	1.93%	-0.01%

Volatility

ITDE vs. VTI - Volatility Comparison

Ishares Lifepath Target Date 2045 ETF (ITDE) has a higher volatility of 3.44% compared to Vanguard Total Stock Market ETF (VTI) at 2.86%. This indicates that ITDE's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ITDE	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.44%	2.86%	+0.58%
Volatility (6M) Calculated over the trailing 6-month period	8.81%	9.11%	-0.30%
Volatility (1Y) Calculated over the trailing 1-year period	10.95%	12.15%	-1.20%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	12.90%	17.40%	-4.50%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	12.90%	18.30%	-5.40%

ITDE vs. VTI - Expense Ratio Comparison

ITDE has a 0.11% expense ratio, which is higher than VTI's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

ITDE vs. VTI - Dividend Comparison

ITDE's dividend yield for the trailing twelve months is around 1.67%, more than VTI's 1.01% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ITDE Ishares Lifepath Target Date 2045 ETF	1.67%	1.86%	1.64%	0.87%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.01%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both ITDE and VTI in my portfolio?

With a correlation of 0.95, ITDE and VTI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, ITDE or VTI?

ITDE has higher volatility (3.44%) compared to VTI (2.86%). In terms of maximum drawdown, ITDE dropped -14.67% vs VTI's -55.45%.

Which ETF is better, ITDE or VTI?

On 1-year performance, VTI leads with 30.01% vs 26.37% for ITDE. On fees, VTI is cheaper at 0.03% per year. On volatility, VTI has been the lower-risk option at 2.86%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, ITDE or VTI?

Over the 1-year period, VTI has performed better with a 30.01% return vs 26.37%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, ITDE or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.11% for ITDE.

Which ETF pays a higher dividend yield, ITDE or VTI?

ITDE has the higher dividend yield at 1.67%, compared with 1.01% for VTI.

What is the main difference between ITDE and VTI?

ITDE is categorized as Target Retirement Date, while VTI is Large Cap Blend Equities. They also come from different issuers: iShares and Vanguard. Their fees differ too: 0.11% for ITDE and 0.03% for VTI.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (2.48 vs 2.42), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.