CRED vs IVV
Columbia Research Enhanced Real Estate 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 505 holdings.
Side-by-Side Comparison
| Metric | CRED | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.33% | 0.03% | |
| AUM | $3M | $865.2B | |
| Dividend Yield | 4.61% | 1.09% | |
| Holdings | 67 | 508 | |
| YTD Return | -0.40% | +13.43% | |
| 1Y Return | -6.09% | +22.61% | |
| 3Y Return (annualized) | +2.35% | +21.47% | |
| 5Y Return (annualized) | - | +13.26% | |
| Volatility (annualized) | 18.0% | 15.1% | |
| Max Drawdown | -17.6% | -56.5% | |
| Fund Family | Columbia Threadneedle Investments | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Apr 26, 2023 | May 15, 2000 |
CRED vs IVV Performance
Columbia Research Enhanced Real Estate ETF (CRED) is a ETF from Columbia Threadneedle Investments and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year CRED returned -6.09% while IVV returned +22.61%. Year to date, CRED is down 0.40% versus a gain of 13.43% for IVV.
Over three years, CRED compounded at +2.35% per year against +21.47% for IVV. Across the full 3-year window we track, IVV has the edge at +7.03% annualized vs +4.25%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRED has been the more volatile fund, with annualized monthly volatility of 18.0% compared with 15.1% for IVV. 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 -17.6% for CRED 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRED charges 0.33% per year while IVV charges 0.03%. On a $10,000 position that is $33 vs $3 annually, a gap of $30 per year that compounds over a long holding period. On income, CRED currently yields 4.61% against 1.09% for IVV.
Holdings Overlap
CRED and IVV share 14 holdings out of 557 unique holdings combined, representing a 1.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRED or IVV?
CRED has an expense ratio of 0.33% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $30 per year of difference.
Which performed better, CRED or IVV?
Over the past year CRED returned -6.09% vs +22.61% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), CRED annualized +4.25% vs +7.03% for IVV. Past performance does not guarantee future results.
Which is riskier, CRED or IVV?
CRED has been the more volatile fund at 18.0% annualized versus 15.1% for IVV. Worst drawdown: CRED -17.6% vs IVV -56.5%.
Should I hold both CRED and IVV?
CRED and IVV have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRED and IVV?
CRED and IVV share 14 common holdings with a 1.0% weight overlap. Combined, they hold 557 unique securities.
Which pays a higher dividend, CRED or IVV?
CRED yields 4.61% while IVV yields 1.09%, so CRED currently pays the higher dividend yield.
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