CRDT vs IVV
Simplify Opportunistic Income ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | CRDT | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.03% | |
| AUM | $36M | $907.0B | |
| Dividend Yield | 5.95% | 1.10% | |
| Holdings | 54 | 508 | |
| YTD Return | +5.32% | +14.29% | |
| 1Y Return | +4.77% | +21.79% | |
| 3Y Return (annualized) | +4.55% | +22.19% | |
| 5Y Return (annualized) | - | +13.28% | |
| Volatility (annualized) | 5.7% | 15.1% | |
| Max Drawdown | -9.8% | -56.5% | |
| Fund Family | Simplify Exchange Traded Funds | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 26, 2023 | May 15, 2000 |
CRDT vs IVV Performance
Simplify Opportunistic Income ETF (CRDT) is a ETF from Simplify Exchange Traded Funds and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year CRDT returned +4.77% while IVV returned +21.79%. Year to date, CRDT is up 5.32% versus a gain of 14.29% for IVV.
Over three years, CRDT compounded at +4.55% per year against +22.19% for IVV. Across the full 3-year window we track, IVV has the edge at +7.06% annualized vs +4.83%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 5.7% for CRDT. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -9.8% for CRDT and -56.5% for IVV. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRDT charges 0.99% per year while IVV charges 0.03%. On a $10,000 position that is $99 vs $3 annually, a gap of $96 per year that compounds over a long holding period. On income, CRDT currently yields 5.95% against 1.10% for IVV.
Holdings Overlap
CRDT and IVV share 0 holdings out of 522 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRDT or IVV?
CRDT has an expense ratio of 0.99% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, CRDT or IVV?
Over the past year CRDT returned +4.77% vs +21.79% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), CRDT annualized +4.83% vs +7.06% for IVV. Past performance does not guarantee future results.
Which is riskier, CRDT or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 5.7% for CRDT. Worst drawdown: CRDT -9.8% vs IVV -56.5%.
Should I hold both CRDT and IVV?
CRDT and IVV have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRDT and IVV?
CRDT and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 522 unique securities.
Which pays a higher dividend, CRDT or IVV?
CRDT yields 5.95% while IVV yields 1.10%, so CRDT currently pays the higher dividend yield.
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