IBCA vs IVV
iShares iBonds Dec 2035 Term Corporate 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 505 holdings.
Side-by-Side Comparison
| Metric | IBCA | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $373M | $865.2B | |
| Dividend Yield | 4.65% | 1.09% | |
| Holdings | 417 | 508 | |
| YTD Return | -1.06% | +13.80% | |
| 1Y Return | +2.08% | +23.01% | |
| 3Y Return (annualized) | - | +21.77% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 3.7% | 15.1% | |
| Max Drawdown | -3.5% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | May 15, 2000 |
IBCA vs IVV Performance
iShares iBonds Dec 2035 Term Corporate ETF (IBCA) 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 IBCA returned +2.08% while IVV returned +23.01%. Year to date, IBCA is down 1.06% versus a gain of 13.80% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 3.7% for IBCA. 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 -3.5% for IBCA 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBCA charges 0.10% per year while IVV charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, IBCA currently yields 4.65% against 1.09% for IVV.
Holdings Overlap
IBCA and IVV share 0 holdings out of 841 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, IBCA or IVV?
IBCA has an expense ratio of 0.10% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, IBCA or IVV?
Over the past year IBCA returned +2.08% vs +23.01% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IBCA annualized +4.25% vs +7.04% for IVV. Past performance does not guarantee future results.
Which is riskier, IBCA or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 3.7% for IBCA. Worst drawdown: IBCA -3.5% vs IVV -56.5%.
Should I hold both IBCA and IVV?
IBCA and IVV have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBCA and IVV?
IBCA and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 841 unique securities.
Which pays a higher dividend, IBCA or IVV?
IBCA yields 4.65% while IVV yields 1.09%, so IBCA currently pays the higher dividend yield.
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