EFNL vs IVV
iShares MSCI Finland ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. EFNL delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | EFNL | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.53% | 0.03% | |
| AUM | $240M | $865.2B | |
| Dividend Yield | 1.02% | 1.09% | |
| Holdings | 39 | 508 | |
| YTD Return | +8.65% | +13.80% | |
| 1Y Return | +28.57% | +23.01% | |
| 3Y Return (annualized) | +19.77% | +21.77% | |
| 5Y Return (annualized) | +4.28% | +13.39% | |
| Volatility (annualized) | 19.9% | 15.1% | |
| Max Drawdown | -56.0% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Jan 25, 2012 | May 15, 2000 |
EFNL vs IVV Performance
iShares MSCI Finland ETF (EFNL) is a ETF from iShares by BlackRock (US) and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year EFNL returned +28.57% while IVV returned +23.01%. Year to date, EFNL is up 8.65% versus a gain of 13.80% for IVV.
Over three years, EFNL compounded at +19.77% per year against +21.77% for IVV; over five years the annualized figures are +4.28% and +13.39% respectively. Across the full 15-year window we track, EFNL has the edge at +8.62% annualized vs +7.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFNL has been the more volatile fund, with annualized monthly volatility of 19.9% 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 -56.0% for EFNL 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EFNL charges 0.53% per year while IVV charges 0.03%. On a $10,000 position that is $53 vs $3 annually, a gap of $50 per year that compounds over a long holding period. On income, EFNL currently yields 1.02% against 1.09% for IVV.
Holdings Overlap
EFNL and IVV share 1 holdings out of 539 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 EFNL | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.04% | 0.15% | 0.11% |
Frequently Asked Questions
Which is cheaper, EFNL or IVV?
EFNL has an expense ratio of 0.53% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
Which performed better, EFNL or IVV?
Over the past year EFNL returned +28.57% vs +23.01% for IVV, so EFNL leads on 1-year performance. Over the longest common window we track (15 years), EFNL annualized +8.62% vs +7.04% for IVV. Past performance does not guarantee future results.
Which is riskier, EFNL or IVV?
EFNL has been the more volatile fund at 19.9% annualized versus 15.1% for IVV. Worst drawdown: EFNL -56.0% vs IVV -56.5%.
Should I hold both EFNL and IVV?
EFNL and IVV have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFNL and IVV?
EFNL and IVV share 1 common holdings with a 0.0% weight overlap. Combined, they hold 539 unique securities.
Which pays a higher dividend, EFNL or IVV?
EFNL yields 1.02% while IVV yields 1.09%, so IVV currently pays the higher dividend yield.
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