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IBIF vs VTIP

iShares iBonds Oct 2029 Term TIPS ETF

IBIFBNYSE Arca

Vanguard Short-Term Inflation-Protected Securities ETF

VTIPANasdaq

Overlap

No data

Expense ratio

VTIP −0.07pt a year

IBIF0.10%VTIP0.03%

Avg volume · 30D

VTIP 67.7×the volume

IBIF40.9KVTIP2.77M

3Y return · a year

IBIF +0.5pt

IBIF+5.6%VTIP+5.1%

IBIF vs VTIP Performance

Oct 31, 2025 – Oct 30, 2026

+2.1%IBIF+2.7%VTIP

Oct 31, 2025 to Oct 30, 2026. IBIF +2.1%. VTIP +2.7%. Use the arrow keys to read each point.0%0.5%1%1.5%Oct 2025Apr 2026Oct 2026
Expense ratio
IBIF 0.10%
VTIP 0.03%, better
Fund size
IBIF $147M
VTIP $73.1B
1Y total return
IBIF +2.1%
VTIP +2.7%, better
Yield (12M)
IBIF 4.45%
VTIP 4.79%, better
Holdings
IBIF 7
VTIP 27
Avg volume (30D)
IBIF 40.9K sh
VTIP 2.77M sh, better
NAV per share
IBIF $25.65
VTIP $48.95
52W range

ETF.net Grade

IBIF: Cost 68, Risk 68, Mission 56, Tradability 45, Holdings 38, Durability 57. VTIP: Cost 98, Risk 57, Mission 43, Tradability 82, Holdings 68, Durability 96.
Pillar letters and Scores for IBIF, VTIP, with each pillar’s weight
PillarIBIFVTIP
Cost30% weightB68A98Higher
Mission25% weightB56HigherC43
Risk15% weightB68HigherB57
Tradability15% weightC45A82Higher
Holdings10% weightD38B68Higher
Durability5% weightB57A96Higher

Rank among TIPS funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. IBIF and VTIP are both graded against the same 40 TIPS funds, so their Grades compare head to head.

TIPS⁠

Category · 40 funds
See all 40 ›

VTIP ranks 4th and IBIF 20th of 40 funds in the TIPS Category.

  1. Rank 4APBTPInvesco 0-5 Yr US TIPS ETFScore 72
  2. Rank 4AVTIPVanguard Short-Term Inflation-Protected Securities ETFScore 72
  3. Rank 6BSPIPState Street SPDR Portfolio TIPS ETFScore 68
  4. Rank 18BTIPANorthern Trust 2030 Inflation-Linked Distributing Ladder ETFScore 58
  5. Rank 20BIBIFiShares iBonds Oct 2029 Term TIPS ETFScore 57
  6. Rank 20BTDTFNorthern Trust iBoxx 5-Year Target Duration TIPS ETFScore 57

Our read on each fund

ETF.net Research

IBIFBiShares iBonds Oct 2029 Term TIPS ETF

VTIPAVanguard Short-Term Inflation-Protected Securities ETF

In short

IBIF Most dated-maturity bond ETFs hold corporates or plain Treasuries. IBIF takes the inflation-linked route: an index of U.S. Treasury inflation-protected bonds scheduled to mature in 2029, in the iBonds format.

VTIP Inflation protection without the long-bond whiplash. VTIP holds only Treasury TIPS maturing inside five years, so CPI does most of the driving and rate swings do less of it, for three basis points a year.

Stated mandate

IBIF The fund is designed to follow an index made up of U.S. Treasury inflation-protected bonds scheduled to mature in 2029.

VTIP Tracks a benchmark measuring the investment return of U.S. Treasury inflation-protected public obligations with remaining maturities under five years.

Why people hold it

  • IBIF The inflation-linked seat in a shelf dominated by corporate and nominal-Treasury funds: the index holds TIPS scheduled to mature in 2029, so the inflation protection is built into the bonds.
  • Costs 0.10% a year, right at the median for target-maturity bond funds and level with iShares' 2029 corporate sibling IBDU.
  • Pays quarterly and follows a rules-based index rather than a manager's call, with a BlackRock track record dating to its 2023 launch.
  • VTIP Three basis points a year, against a 0.12% median for Treasury bond ETFs in its group. Vanguard's at-cost setup shows up right in the fee line.vanguard.com
  • TIPS principal ratchets with CPI, and the under-five-year maturity cap keeps duration short, so rate moves land lighter here than in full-curve TIPS funds like SCHP.vanguard.com
  • Open since 2012 and now a multi-billion-dollar, actively traded fund that owns Treasury paper directly. Plain index rules, no swaps, no credit detours.

Worth knowing

  • IBIF Thinly traded compared with the headline names in its category, so spreads and order type matter more here than on a giant like IBTJ.
  • Want the same 2029 rung without the inflation link? IBTJ holds nominal Treasuries maturing that year for 0.07%.
  • One narrow slice of the market by design: only TIPS scheduled to mature in 2029, not a broad inflation-protected bond portfolio.
  • VTIP Short maturities cut both ways: less sensitivity to rates, and less exposure to shifts in long-run inflation expectations than a full-maturity TIPS fund such as SCHP.
  • Income rides on CPI accruals, so the quarterly payout moves around rather than arriving as a steady coupon.
  • This is one narrow slice of one market, short US Treasury TIPS, not a diversified bond portfolio.

Full IBIF profile⁠

Full VTIP profile⁠

IBIF vs VTIP Holdings

How IBIF and VTIP differ

No overlap figure

Two bond funds rarely hold the same issues.

Level by level

  • Sector2 Sectors0.0%
  • Asset classFixed Income100%
  • Countryby domicile100%

Sector

Sector weights in IBIF and VTIP, widest gap first
SectorMore in IBIFMore in VTIP
TreasuriesIBIF +100.0 points
GovernmentVTIP +100.0 points

Country, concentration and asset class

Country by domicile

Country weights in IBIF and VTIP, widest gap first
CountryMore in IBIFMore in VTIP
United StatesSame weight

Concentration

Weight in the 10 largest Holdings

  • IBIF100.6%
  • VTIP50.0%

Securities held

  • IBIF6
  • VTIP25

Asset class

IBIF
Fixed Income
VTIP
Fixed Income

Holdings

Two bond funds rarely hold the same issues, so this page lists no shared Holdings. IBIF holds 6 securities, VTIP 25.

All 6 IBIF holdings⁠All 21 VTIP holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

IBIF vs VTIP Cost

Overpaying IBIF vs VTIP

$1,468

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • IBIF 0.10%

    $2,106

  • VTIP 0.03%

    $638

$10,000
30 years

Cost over time

  • IBIF 0.10%
  • VTIP 0.03%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$500$1K$1.5K$2K$2.5K051015202530IBIF $2,106VTIP $638

Year by year

YearIBIFVTIPOverpaying
10$183$55$128
20$717$216$501
30$2,106$638$1,468

Expense ratio

  • 0.10%IBIF
  • 0.03%VTIP, cheaper
  • Middle half of TIPS funds
  • Median 0.10%

VTIP cheapest of 40 funds

IBIF 7th cheapest of 40 funds

IBIF vs VTIP Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
IBIF 4.45%
VTIP 4.79%, better
Payout (12M)
IBIF $1.14
VTIP $2.35
Last payment
IBIF $0.14
VTIP $0.93
Ex-dividend
IBIF Oct 1, 2026
VTIP Oct 1, 2026
Paid on
IBIF Oct 6, 2026
VTIP Oct 5, 2026
Frequency
IBIF Quarterly
VTIP Quarterly

Distribution history

Per share, 2017 to 2026, same scale for both

IBIFQuarterly · 12 paymentsAll IBIF payments⁠
One bar per payment. 12 payments from 2017 to 2026 YTD. Dec 14, 2023 $0.25; Apr 1, 2024 $0.19; Jul 1, 2024 $0.46; Oct 1, 2024 $0.19; Dec 18, 2024 $0.19; Apr 1, 2025 $0.26; Jul 1, 2025 $0.36; Oct 1, 2025 $0.26; Dec 19, 2025 $0.29; Apr 1, 2026 $0.08; Jul 1, 2026 $0.64; Oct 1, 2026 $0.14. Use the arrow keys to read each point.$0$12017202020232026YTD
VTIPQuarterly · 32 paymentsAll VTIP payments⁠
One bar per payment. 32 payments from 2017 to 2026 YTD. Dec 26, 2017 $0.74; Jun 18, 2018 $0.29; Sep 24, 2018 $0.52; Dec 13, 2018 $0.36; Jun 17, 2019 $0.17; Sep 24, 2019 $0.44; Dec 23, 2019 $0.35; Oct 1, 2020 $0.28; Dec 23, 2020 $0.33; Mar 25, 2021 $0.09; Jul 1, 2021 $0.48; Oct 1, 2021 $0.87; Dec 23, 2021 $0.96; Apr 1, 2022 $0.49; Jul 1, 2022 $0.68; Oct 3, 2022 $0.90; Dec 23, 2022 $1.12; Apr 3, 2023 $0.03; Jul 3, 2023 $0.35; Oct 2, 2023 $0.34; Dec 22, 2023 $0.64; Apr 1, 2024 $0.03; Jul 1, 2024 $0.44; Oct 1, 2024 $0.31; Dec 24, 2024 $0.53; Apr 1, 2025 $0.10; Jul 1, 2025 $0.43; Oct 1, 2025 $0.65; Dec 18, 2025 $0.71; Apr 1, 2026 $0.02; Jul 1, 2026 $0.68; Oct 1, 2026 $0.93. Use the arrow keys to read each point.$0$12017202020232026YTD

IBIF vs VTIP Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
IBIF 3.3%VTIP 1.9%, better
Return per unit of riskSharpe ratio, 3 years
IBIF 0.32, betterVTIP 0.29
Worst fallMax drawdown, 5 years
IBIF −2.5%since Sep 2023VTIP −5.5%
Market sensitivityBeta, 5 years
IBIF 0.12VTIP 0.21

IBIF and VTIP in the news

All news⁠

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