DMCY vs IVV
Democracy International Fund vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. DMCY delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | DMCY | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $5M | $907.0B | |
| Dividend Yield | 2.94% | 1.10% | |
| Holdings | 5 | 508 | |
| YTD Return | +4.90% | +12.71% | |
| 1Y Return | +26.32% | +21.89% | |
| 3Y Return (annualized) | +14.13% | +22.08% | |
| 5Y Return (annualized) | - | +12.96% | |
| Volatility (annualized) | 14.7% | 15.1% | |
| Max Drawdown | -28.6% | -56.5% | |
| Fund Family | Democracy Investments | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Mar 31, 2021 | May 15, 2000 |
DMCY vs IVV Performance
Democracy International Fund (DMCY) is a ETF from Democracy Investments and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year DMCY returned +26.32% while IVV returned +21.89%. Year to date, DMCY is up 4.90% versus a gain of 12.71% for IVV.
Over three years, DMCY compounded at +14.13% per year against +22.08% for IVV. Across the full 5-year window we track, DMCY has the edge at +7.91% annualized vs +7.00%. 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 14.7% for DMCY. 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 -28.6% for DMCY 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DMCY charges 0.50% per year while IVV charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, DMCY currently yields 2.94% against 1.10% for IVV.
Holdings Overlap
DMCY and IVV share 1 holdings out of 702 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in DMCY | Weight in IVV | Difference |
|---|---|---|---|
| NXPI | 0.41% | 0.11% | 0.30% |
Frequently Asked Questions
Which is cheaper, DMCY or IVV?
DMCY has an expense ratio of 0.50% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, DMCY or IVV?
Over the past year DMCY returned +26.32% vs +21.89% for IVV, so DMCY leads on 1-year performance. Over the longest common window we track (5 years), DMCY annualized +7.91% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, DMCY or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 14.7% for DMCY. Worst drawdown: DMCY -28.6% vs IVV -56.5%.
Should I hold both DMCY and IVV?
DMCY and IVV have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DMCY and IVV?
DMCY and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 702 unique securities.
Which pays a higher dividend, DMCY or IVV?
DMCY yields 2.94% while IVV yields 1.10%, so DMCY currently pays the higher dividend yield.
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