ETF Versus

IEF vs ITOT

iShares 7-10 Year Treasury Bond ETF vs iShares Core S&P Total U.S. Stock Market ETF

Last updated: 2026-04-02

IEF iShares

iShares 7-10 Year Treasury Bond ETF (IEF) is an exchange-traded fund issued by iShares that provides exposure to intermediate-term U.S. Treasury bonds. It charges a low expense ratio of 0.15%. The fund offers an attractive dividend yield of 3.84%. Launched in 2002, the fund has a 24-year track record.

AUM: $48.0B ER: 0.15% Yield: 3.84% Since: Jul 22, 2002
ITOT iShares

iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund issued by iShares that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.12%. Launched in 2004, the fund has a 22-year track record.

AUM: $77.6B ER: 0.03% Yield: 1.12% Since: Jan 20, 2004

Quick Verdict

ITOT is significantly cheaper at 0.03% vs 0.15% expense ratio, saving you approximately $238 per $10,000 invested over 10 years. Over the past year, ITOT has significantly outperformed with a 17.2% return vs -0.4%. Income investors may prefer IEF for its higher yield (3.8% vs 1.1%).

Key Metrics

Metric IEF ITOT
Expense Ratio 0.15% 0.03%
Dividend Yield 3.8% 1.1%
Fund Family iShares iShares
Category US Intermediate Treasury US Total Market

Performance Chart

Indexed to 100 at start (5-year comparison)

75 93 111 129 147 165 2021-04 2022-06 2023-09 2024-12 2026-04
IEF -15.9%
ITOT +52.8%

Performance Comparison

Period IEF ITOT Difference
1 Month -2.14% -4.55% +2.41%
3 Months -1.08% -3.83% +2.75%
6 Months -1.41% -2.08% +0.67%
YTD -1.08% -3.83% +2.75%
1 Year -0.38% +17.17% -17.55%
3 Years -4.38% +57.97% -62.35%
5 Years -15.92% +52.82% -68.74%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period IEF Fees ITOT Fees You Save
$10.000 10 years $298 $60 $238
$10.000 20 years $1.278 $258 $1.020
$10.000 30 years $4.109 $835 $3.274
$50.000 10 years $1.490 $299 $1.190
$50.000 30 years $20.547 $4.176 $16.371
$100.000 30 years $41.094 $8.352 $32.742

Risk Metrics

Based on 5 years of daily returns

Metric IEF ITOT
Annualized Volatility 7.7% 17.4%
Max Drawdown -24.7% -26.2%
Sharpe Ratio -1.00 0.32

Dividend Comparison

Metric IEF ITOT
Annual Dividend (per share) $3.65 $1.61
Dividend Yield 3.84% 1.13%
Distribution Frequency Monthly Quarterly

Top Holdings

ITOT Top Holdings

NameWeight
NVIDIA CorporationNVDA6.59%
Apple Inc.AAPL5.91%
Microsoft CorporationMSFT4.29%
Amazon.com, Inc.AMZN3.15%
Broadcom Inc.AVGO2.31%
Alphabet Inc.GOOG2.07%
Meta Platforms, Inc.META1.86%
Tesla, Inc.TSLA1.65%
Berkshire Hathaway Inc.BRK.B1.39%

Which One Should You Choose?

Choose ITOT if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose ITOT if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

Choose IEF if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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