DIAL vs IVV
Columbia Diversified Fixed Income Allocation ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. DIAL offers more diversification with 686 holdings.
Side-by-Side Comparison
| Metric | DIAL | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $390M | $907.0B | |
| Dividend Yield | 5.12% | 1.10% | |
| Holdings | 686 | 508 | |
| YTD Return | +0.86% | +14.29% | |
| 1Y Return | +3.56% | +21.79% | |
| 3Y Return (annualized) | +6.15% | +22.19% | |
| 5Y Return (annualized) | +0.36% | +13.28% | |
| Volatility (annualized) | 7.4% | 15.1% | |
| Max Drawdown | -22.2% | -56.5% | |
| Fund Family | Columbia Threadneedle Investments | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 12, 2017 | May 15, 2000 |
DIAL vs IVV Performance
Columbia Diversified Fixed Income Allocation ETF (DIAL) 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 DIAL returned +3.56% while IVV returned +21.79%. Year to date, DIAL is up 0.86% versus a gain of 14.29% for IVV.
Over three years, DIAL compounded at +6.15% per year against +22.19% for IVV; over five years the annualized figures are +0.36% and +13.28% respectively. Across the full 9-year window we track, IVV has the edge at +7.06% annualized vs +1.21%. 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 7.4% for DIAL. 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 -22.2% for DIAL 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DIAL charges 0.29% per year while IVV charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, DIAL currently yields 5.12% against 1.10% for IVV.
Holdings Overlap
DIAL and IVV share 1 holdings out of 918 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in DIAL | Weight in IVV | Difference |
|---|---|---|---|
| CMS | 0.03% | 0.03% | 0.00% |
Frequently Asked Questions
Which is cheaper, DIAL or IVV?
DIAL has an expense ratio of 0.29% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, DIAL or IVV?
Over the past year DIAL returned +3.56% vs +21.79% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (9 years), DIAL annualized +1.21% vs +7.06% for IVV. Past performance does not guarantee future results.
Which is riskier, DIAL or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 7.4% for DIAL. Worst drawdown: DIAL -22.2% vs IVV -56.5%.
Should I hold both DIAL and IVV?
DIAL and IVV have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DIAL and IVV?
DIAL and IVV share 1 common holdings with a 0.0% weight overlap. Combined, they hold 918 unique securities.
Which pays a higher dividend, DIAL or IVV?
DIAL yields 5.12% while IVV yields 1.10%, so DIAL currently pays the higher dividend yield.
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