DECT vs IVV
DECT vs IVV
AllianzIM US Equity Buffer10 Dec 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 | DECT | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $124M | $865.2B | |
| Dividend Yield | 0.00% | 1.09% | |
| Holdings | 5 | 508 | |
| YTD Return | +9.82% | +13.80% | |
| 1Y Return | +18.73% | +23.70% | |
| 3Y Return (annualized) | +13.80% | +21.49% | |
| 5Y Return (annualized) | - | +13.43% | |
| Volatility (annualized) | 9.0% | 15.1% | |
| Max Drawdown | -13.3% | -56.5% | |
| Fund Family | AllianzIM | iShares by BlackRock (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 30, 2022 | May 15, 2000 |
DECT vs IVV Performance
AllianzIM US Equity Buffer10 Dec ETF (DECT) is a ETF from AllianzIM and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year DECT returned +18.73% while IVV returned +23.70%. Year to date, DECT is up 9.82% versus a gain of 13.80% for IVV.
Over three years, DECT compounded at +13.80% per year against +21.49% for IVV. Across the full 4-year window we track, DECT has the edge at +13.86% annualized vs +7.05%. 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 9.0% for DECT. 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 -13.3% for DECT 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
DECT charges 0.74% per year while IVV charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, DECT currently yields 0.00% against 1.09% for IVV.
Frequently Asked Questions
Which is cheaper, DECT or IVV?
DECT has an expense ratio of 0.74% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, DECT or IVV?
Over the past year DECT returned +18.73% vs +23.70% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (4 years), DECT annualized +13.86% vs +7.05% for IVV. Past performance does not guarantee future results.
Which is riskier, DECT or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 9.0% for DECT. Worst drawdown: DECT -13.3% vs IVV -56.5%.
Should I hold both DECT and IVV?
DECT and IVV have a monthly-return correlation of 0.96, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, DECT or IVV?
DECT yields 0.00% while IVV yields 1.09%, so IVV currently pays the higher dividend yield.
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