FLJJ vs IVV
AllianzIM US Equity 6 Month Floor5 Jan/Jul 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 | FLJJ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $9M | $907.0B | |
| Dividend Yield | 0.00% | 1.10% | |
| Holdings | 4 | 508 | |
| YTD Return | +6.97% | +12.28% | |
| 1Y Return | +11.46% | +20.94% | |
| 3Y Return (annualized) | - | +21.81% | |
| 5Y Return (annualized) | - | +13.05% | |
| Volatility (annualized) | 6.1% | 15.1% | |
| Max Drawdown | -6.9% | -56.5% | |
| Fund Family | AllianzIM | iShares by BlackRock (US) | |
| Category | Alternative | Equity | |
| Inception | Jan 31, 2024 | May 15, 2000 |
FLJJ vs IVV Performance
AllianzIM US Equity 6 Month Floor5 Jan/Jul ETF (FLJJ) is a ETF from AllianzIM and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year FLJJ returned +11.46% while IVV returned +20.94%. Year to date, FLJJ is up 6.97% versus a gain of 12.28% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 6.1% for FLJJ. 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 -6.9% for FLJJ 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FLJJ charges 0.74% per year while IVV charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, FLJJ currently yields 0.00% against 1.10% for IVV.
Frequently Asked Questions
Which is cheaper, FLJJ or IVV?
FLJJ has an expense ratio of 0.74% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, FLJJ or IVV?
Over the past year FLJJ returned +11.46% vs +20.94% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), FLJJ annualized +12.85% vs +6.98% for IVV. Past performance does not guarantee future results.
Which is riskier, FLJJ or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 6.1% for FLJJ. Worst drawdown: FLJJ -6.9% vs IVV -56.5%.
Should I hold both FLJJ and IVV?
FLJJ and IVV have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, FLJJ or IVV?
FLJJ yields 0.00% while IVV yields 1.10%, so IVV currently pays the higher dividend yield.
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