What is the expense ratio of ITOT vs IWF?

ITOT has an expense ratio of 0.03%, while IWF has an expense ratio of 0.18%.

ITOT vs IWF

iShares Core S&P Total U.S. Stock Market ETF vs iShares Russell 1000 Growth ETF

Last updated: 2026-04-10

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 1.08%. Launched in 2004, the fund has a 22-year track record.

AUM: $83.3B ER: 0.03% Yield: 1.08% Since: Jan 20, 2004

IWF iShares

iShares Russell 1000 Growth ETF (IWF) is an exchange-traded fund issued by iShares that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a moderate expense ratio of 0.18%. The fund offers a modest dividend yield of 0.38%. Launched in 2000, the fund has a 26-year track record.

AUM: $116.5B ER: 0.18% Yield: 0.38% Since: May 22, 2000

Quick Verdict

ITOT is significantly cheaper at 0.03% vs 0.18% expense ratio, saving you approximately $297 per $10,000 invested over 10 years. Both funds have delivered similar 1-year returns (30.3% vs 29.9%), tracking closely. Income investors may prefer ITOT for its higher yield (1.1% vs 0.4%).

Key Metrics

Metric	ITOT	IWF
Expense Ratio	0.03%	0.18%
Dividend Yield	1.1%	0.4%
Fund Family	iShares	iShares
Category	US Total Market	US Large Cap Growth

Performance Chart

Indexed to 100 at start (5-year comparison)

ITOT +56.7%

IWF +73.8%

Performance Comparison

Period	ITOT	IWF	Difference
1 Month	+0.76%	-1.05%	+1.81%
3 Months	-2.14%	-6.42%	+4.28%
6 Months	+2.54%	-4.69%	+7.23%
YTD	-0.23%	-5.33%	+5.10%
1 Year	+30.31%	+29.88%	+0.43%
3 Years	+64.58%	+84.44%	-19.86%
5 Years	+56.66%	+73.81%	-17.15%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment	Period	ITOT Fees	IWF Fees	You Save
$10,000	10 years	$60	$357	$297
$10,000	20 years	$258	$1,529	$1,271
$10,000	30 years	$835	$4,912	$4,076
$50,000	10 years	$299	$1,786	$1,486
$50,000	30 years	$4,176	$24,558	$20,382
$100,000	30 years	$8,352	$49,116	$40,764

Risk Metrics

Based on 5 years of daily returns

Metric	ITOT	IWF
Annualized Volatility	17.4%	21.4%
Max Drawdown	-26.2%	-33.1%
Sharpe Ratio	0.35	0.42

Dividend Comparison

Metric	ITOT	IWF
Annual Dividend (per share)	$1.61	$1.69
Dividend Yield	1.08%	0.38%
Distribution Frequency	Quarterly	Quarterly

Top Holdings

8 of top 9 holdings overlap (89% overlap in top holdings)

ITOT Top Holdings

Name	Weight
NVIDIA CorporationNVDA	6.72%
Apple Inc.AAPL	5.78%
Microsoft CorporationMSFT	4.22%
Amazon.com, Inc.AMZN	3.28%
Broadcom Inc.AVGO	2.53%
Alphabet Inc.GOOG	2.24%
Meta Platforms, Inc.META	2.04%
Tesla, Inc.TSLA	1.47%
Berkshire Hathaway Inc.BRK.B	1.34%

IWF Top Holdings

Name	Weight
NVIDIA CorporationNVDA	12.99%
Apple Inc.AAPL	11.43%
Microsoft CorporationMSFT	8.59%
Broadcom Inc.AVGO	5.22%
Amazon.com, Inc.AMZN	4.76%
Meta Platforms, Inc.META	3.56%
Tesla, Inc.TSLA	3.15%
Alphabet Inc.GOOG	3.03%
Eli Lilly and CompanyLLY	2.65%

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...

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

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