December 27, 2025
Finance

Comparing Vanguard's VBR and iShares' IWN: Cost Efficiency Versus Diversification in Small-Cap Value ETFs

An in-depth evaluation of Vanguard's Small-Cap Value ETF and iShares' Russell 2000 Value ETF highlights differences in cost structure, diversification, sector focus, and performance metrics.

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Summary

Investors interested in U.S. small-cap value stocks often consider the Vanguard Small-Cap Value ETF (VBR) and the iShares Russell 2000 Value ETF (IWN). This analysis examines how these two funds compare in terms of expense ratios, yields, asset size, diversification, sector allocations, performance histories, and risk profiles. Vanguard's VBR offers a significantly lower expense ratio and higher dividend yield, while iShares' IWN provides broader diversification and higher recent returns. Both ETFs track different indexes and exhibit unique sector concentrations, appealing to varying investor priorities in the small-value equity space.

Key Points

Vanguard’s Small-Cap Value ETF (VBR) charges a significantly lower expense ratio of 0.07% compared to iShares’ Russell 2000 Value ETF (IWN) at 0.24%.
VBR offers a higher dividend yield (2.0%) than IWN (1.6%), appealing to income-focused investors.
IWN provides broader diversification with 1,423 holdings, while VBR has 840, reflecting different approaches to portfolio breadth.
The top sectors differ: IWN is more concentrated in financial services (26%), industrials (13%), and health care (11%), whereas VBR emphasizes industrials (22%), financial services (20%), and consumer discretionary (14%).
VBR has amassed a much larger asset base, managing approximately $59.6 billion versus IWN’s $11.8 billion.
Over five years, VBR has marginally outperformed IWN in portfolio growth and experienced a slightly smaller maximum drawdown.
IWN tracks the widely recognized Russell 2000 Value Index, favored for its transparent methodology and broad coverage.
Investor choice may hinge on prioritizing lower fees and yield (VBR) versus broader diversification and recent performance strength (IWN).

For investors seeking exposure to U.S. small-cap value equities, the Vanguard Small-Cap Value ETF (VBR) and the iShares Russell 2000 Value ETF (IWN) are two widely considered options, each adhering to a value-oriented investment strategy but with distinct characteristics. A thorough comparison of these funds reveals differences in expense structures, portfolio diversification, sector emphasis, and performance metrics, informing investor preferences depending on individual priorities such as cost sensitivity or diversification breadth.

Cost and Size Overview

MetricVBRIWN
IssuerVanguardiShares
Expense Ratio0.07%0.24%
1-Year Return (as of Dec. 23, 2025)8.22%12.77%
Dividend Yield2.0%1.6%
Assets Under Management$59.6 billion$11.8 billion

VBR is notably more cost-effective with an expense ratio of 0.07% annually, approximately one-third that charged by IWN at 0.24%. Furthermore, Vanguard’s offering has amassed substantially greater assets under management, nearing $60 billion, compared to IWN’s approximately $12 billion. Additionally, VBR currently delivers a slightly higher dividend yield of 2.0%, versus 1.6% from IWN, which may be an attractive feature for income-focused investors.

Performance and Volatility Considerations

MetricVBRIWN
Maximum Drawdown (5-Year)-24.19%-26.71%
Growth of $1,000 Over 5 Years$1,502$1,396

Examining recent risk and growth characteristics, both funds have experienced comparable drawdowns over the past five years, with IWN reaching a slightly deeper peak-to-trough decline of 26.71% in contrast to VBR’s 24.19%. When assessing growth of a hypothetical $1,000 investment over this period, VBR has delivered a higher appreciation to $1,502 compared to IWN’s $1,396, suggesting a modest performance advantage on this timeframe.

Portfolio Composition and Sector Exposure

IWN tracks the Russell 2000 Value Index and comprises approximately 1,423 holdings, providing broad exposure across various sectors and companies. Financial services dominate the portfolio at 26%, followed by industrials at 13%, and health care at 11%. Notably, the top three individual stock positions in IWN — Echostar Corp Class A (ticker SATS), Hecla Mining (HL), and UMB Financial (UMBF) — each account for less than 1.1% of the fund’s assets, indicating minimal concentration risk. The fund boasts a long history with over 25 years of existence.

In contrast, VBR tracks a different index focusing on small-cap value stocks but with a slightly narrower selection, holding 840 stocks. Its principal sectors include industrials at 22%, financial services at 20%, and consumer discretionary at 14%. Vanguard’s largest individual holdings, such as NRG Energy (NRG), Sandisk (SNDK), and Emcor (EME), each represent under 1% of the total assets, maintaining diversified exposure though across fewer companies than IWN. This difference in breadth means VBR is somewhat less diversified but still offers extensive risk dispersion across the small-cap value segment.

Investor Considerations

When selecting between these options, the lower cost and higher dividend yield offered by VBR present compelling advantages for long-term investors prioritizing expense efficiency and income generation. The substantial asset base backing VBR further signifies robust investor acceptance and liquidity.

On the other hand, IWN’s broader diversification, extensive holdings count, and targeting of the Russell 2000 Value Index may appeal to investors who prioritize comprehensive exposure to the small-cap value universe and trust in a widely recognized index methodology favored for its transparency.

Performance over the long term appears similar between these funds, with IWN demonstrating comparatively stronger returns within the most recent year. Therefore, investor preference between these ETFs may hinge on weighting of factors such as fees, portfolio diversification, and yield considerations.

Careful evaluation of these nuances can assist in aligning ETF selection with individual investment goals and risk tolerance within the U.S. small-cap value equity category.

Glossary

  • Expense Ratio: The proportion of fund assets paid annually to cover operating expenses.
  • Dividend Yield: The annual dividend distributions expressed as a percentage of the fund's price.
  • Beta: A metric indicating the fund's relative volatility compared to a benchmark, commonly the S&P 500.
  • Drawdown: The peak-to-trough decline percentage over a specific period.
  • Assets Under Management (AUM): The total market value of assets managed by the fund.
  • Small-Cap: Stocks of companies with market capitalizations typically between $300 million and $2 billion.
  • Value Stocks: Stocks considered undervalued based on fundamental metrics like earnings or book value.
  • Index: A benchmark tracking a collection of securities, used as a reference for fund performance.
  • Holdings: The individual securities comprising a fund’s portfolio.
  • Sector Tilt: An allocation bias towards certain industries relative to others within the portfolio.
  • Total Return: Investment gains including price appreciation and reinvested dividends or distributions.
  • Diversification: Investment spread across various assets to mitigate risk from any single security.
Risks
  • Both ETFs are subject to market volatility resulting in significant drawdowns, with IWN experiencing up to a 26.71% decline in five years.
  • Concentration in specific sectors exposes each fund to industry-specific risks; for example, VBR’s heavier tilt toward industrials and consumer discretionary might affect performance under adverse sector conditions.
  • Lower diversification in VBR compared to IWN could lead to increased risk from individual holdings despite both funds maintaining small position sizes.
  • Changing dividend yields may impact income expectations over time, potentially affecting income-reliant investors.
  • Expense ratio differences impact net returns, and higher fees in IWN could reduce long-term growth especially in low-return environments.
  • Investors relying on indexing may face risks if their preferred benchmark index (such as Russell 2000 Value for IWN) undergoes methodological changes.
  • Emerging market conditions or macroeconomic factors could disproportionately affect small-cap value stocks, influencing fund performance.
  • The varying sector exposures and holdings composition mean sector-specific downturns could affect one fund more negatively than the other.
Disclosure
This article is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell securities. Investors should consider their own financial situation, objectives, and risk tolerance before investing in any fund. Past performance is not indicative of future results.
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