HYIN vs IVV
WisdomTree Private Credit & Alternative Income Fund 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 | HYIN | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 4.34% | 0.03% | |
| AUM | $53M | $907.0B | |
| Dividend Yield | 13.56% | 1.10% | |
| Holdings | 33 | 508 | |
| YTD Return | -10.72% | +12.71% | |
| 1Y Return | -13.48% | +21.89% | |
| 3Y Return (annualized) | +1.16% | +22.08% | |
| 5Y Return (annualized) | -1.71% | +12.96% | |
| Volatility (annualized) | 18.1% | 15.1% | |
| Max Drawdown | -31.1% | -56.5% | |
| Fund Family | WisdomTree Investments | iShares by BlackRock (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | May 6, 2021 | May 15, 2000 |
HYIN vs IVV Performance
WisdomTree Private Credit & Alternative Income Fund (HYIN) is a ETF from WisdomTree Investments and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year HYIN returned -13.48% while IVV returned +21.89%. Year to date, HYIN is down 10.72% versus a gain of 12.71% for IVV.
Over three years, HYIN compounded at +1.16% per year against +22.08% for IVV; over five years the annualized figures are -1.71% and +12.96% respectively. Across the full 5-year window we track, IVV has the edge at +7.00% annualized vs -1.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HYIN has been the more volatile fund, with annualized monthly volatility of 18.1% 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 -31.1% for HYIN 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYIN charges 4.34% per year while IVV charges 0.03%. On a $10,000 position that is $434 vs $3 annually, a gap of $431 per year that compounds over a long holding period. On income, HYIN currently yields 13.56% against 1.10% for IVV.
Holdings Overlap
HYIN and IVV share 0 holdings out of 536 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HYIN or IVV?
HYIN has an expense ratio of 4.34% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $431 per year of difference.
Which performed better, HYIN or IVV?
Over the past year HYIN returned -13.48% vs +21.89% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (5 years), HYIN annualized -1.14% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, HYIN or IVV?
HYIN has been the more volatile fund at 18.1% annualized versus 15.1% for IVV. Worst drawdown: HYIN -31.1% vs IVV -56.5%.
Should I hold both HYIN and IVV?
HYIN and IVV have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYIN and IVV?
HYIN and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 536 unique securities.
Which pays a higher dividend, HYIN or IVV?
HYIN yields 13.56% while IVV yields 1.10%, so HYIN currently pays the higher dividend yield.
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