FDLS vs IVV
Inspire Fidelis Multi Factor ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. FDLS delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | FDLS | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $244M | $907.0B | |
| Dividend Yield | 0.80% | 1.10% | |
| Holdings | 101 | 508 | |
| YTD Return | +21.24% | +12.96% | |
| 1Y Return | +32.28% | +20.70% | |
| 3Y Return (annualized) | +20.33% | +22.10% | |
| 5Y Return (annualized) | - | +13.40% | |
| Volatility (annualized) | 18.6% | 15.1% | |
| Max Drawdown | -23.3% | -56.5% | |
| Fund Family | Inspire ETFs | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Aug 23, 2022 | May 15, 2000 |
FDLS vs IVV Performance
Inspire Fidelis Multi Factor ETF (FDLS) is a ETF from Inspire ETFs and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year FDLS returned +32.28% while IVV returned +20.70%. Year to date, FDLS is up 21.24% versus a gain of 12.96% for IVV.
Over three years, FDLS compounded at +20.33% per year against +22.10% for IVV. Across the full 4-year window we track, FDLS has the edge at +17.53% annualized vs +7.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDLS has been the more volatile fund, with annualized monthly volatility of 18.6% 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 -23.3% for FDLS 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDLS charges 0.69% per year while IVV charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, FDLS currently yields 0.80% against 1.10% for IVV.
Holdings Overlap
FDLS and IVV share 20 holdings out of 586 unique holdings combined, representing a 2.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDLS or IVV?
FDLS has an expense ratio of 0.69% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, FDLS or IVV?
Over the past year FDLS returned +32.28% vs +20.70% for IVV, so FDLS leads on 1-year performance. Over the longest common window we track (4 years), FDLS annualized +17.53% vs +7.01% for IVV. Past performance does not guarantee future results.
Which is riskier, FDLS or IVV?
FDLS has been the more volatile fund at 18.6% annualized versus 15.1% for IVV. Worst drawdown: FDLS -23.3% vs IVV -56.5%.
Should I hold both FDLS and IVV?
FDLS and IVV have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDLS and IVV?
FDLS and IVV share 20 common holdings with a 2.1% weight overlap. Combined, they hold 586 unique securities.
Which pays a higher dividend, FDLS or IVV?
FDLS yields 0.80% while IVV yields 1.10%, so IVV currently pays the higher dividend yield.
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