DEMZ vs IVV
Democratic Large Cap Core 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 | DEMZ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $68M | $907.0B | |
| Dividend Yield | 0.89% | 1.10% | |
| Holdings | 44 | 508 | |
| YTD Return | +11.86% | +12.71% | |
| 1Y Return | +20.98% | +21.89% | |
| 3Y Return (annualized) | +22.18% | +22.08% | |
| 5Y Return (annualized) | +12.25% | +12.96% | |
| Volatility (annualized) | 16.2% | 15.1% | |
| Max Drawdown | -27.2% | -56.5% | |
| Fund Family | DEMZ | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Nov 2, 2020 | May 15, 2000 |
DEMZ vs IVV Performance
Democratic Large Cap Core ETF (DEMZ) is a ETF from DEMZ and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year DEMZ returned +20.98% while IVV returned +21.89%. Year to date, DEMZ is up 11.86% versus a gain of 12.71% for IVV.
Over three years, DEMZ compounded at +22.18% per year against +22.08% for IVV; over five years the annualized figures are +12.25% and +12.96% respectively. Across the full 6-year window we track, DEMZ has the edge at +16.71% annualized vs +7.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DEMZ has been the more volatile fund, with annualized monthly volatility of 16.2% 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 -27.2% for DEMZ 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
DEMZ charges 0.45% per year while IVV charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, DEMZ currently yields 0.89% against 1.10% for IVV.
Holdings Overlap
DEMZ and IVV share 41 holdings out of 506 unique holdings combined, representing a 26.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DEMZ or IVV?
DEMZ has an expense ratio of 0.45% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, DEMZ or IVV?
Over the past year DEMZ returned +20.98% vs +21.89% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (6 years), DEMZ annualized +16.71% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, DEMZ or IVV?
DEMZ has been the more volatile fund at 16.2% annualized versus 15.1% for IVV. Worst drawdown: DEMZ -27.2% vs IVV -56.5%.
Should I hold both DEMZ and IVV?
DEMZ 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.
What is the holdings overlap between DEMZ and IVV?
DEMZ and IVV share 41 common holdings with a 26.4% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, DEMZ or IVV?
DEMZ yields 0.89% while IVV yields 1.10%, so IVV currently pays the higher dividend yield.
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