IBDQ vs IVV
iShares iBonds Dec 2025 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 508 holdings.
Side-by-Side Comparison
| Metric | IBDQ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $2.3B | $907.0B | |
| Dividend Yield | 3.75% | 1.10% | |
| Holdings | 21 | 508 | |
| YTD Return | +3.79% | +12.71% | |
| 1Y Return | +4.01% | +21.89% | |
| 3Y Return (annualized) | +4.57% | +22.08% | |
| 5Y Return (annualized) | +1.36% | +12.96% | |
| Volatility (annualized) | 4.1% | 15.1% | |
| Max Drawdown | -15.2% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 11, 2015 | May 15, 2000 |
IBDQ vs IVV Performance
iShares iBonds Dec 2025 Term Corporate ETF (IBDQ) 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 IBDQ returned +4.01% while IVV returned +21.89%. Year to date, IBDQ is up 3.79% versus a gain of 12.71% for IVV.
Over three years, IBDQ compounded at +4.57% per year against +22.08% for IVV; over five years the annualized figures are +1.36% and +12.96% respectively. Across the full 11-year window we track, IVV has the edge at +7.00% annualized vs +3.29%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 4.1% for IBDQ. 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 -15.2% for IBDQ 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBDQ 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, IBDQ currently yields 3.75% against 1.10% for IVV.
Holdings Overlap
IBDQ and IVV share 1 holdings out of 524 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IBDQ | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 91.91% | 0.15% | 91.76% |
Frequently Asked Questions
Which is cheaper, IBDQ or IVV?
IBDQ 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, IBDQ or IVV?
Over the past year IBDQ returned +4.01% vs +21.89% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (11 years), IBDQ annualized +3.29% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, IBDQ or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 4.1% for IBDQ. Worst drawdown: IBDQ -15.2% vs IVV -56.5%.
Should I hold both IBDQ and IVV?
IBDQ and IVV have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBDQ and IVV?
IBDQ and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 524 unique securities.
Which pays a higher dividend, IBDQ or IVV?
IBDQ yields 3.75% while IVV yields 1.10%, so IBDQ currently pays the higher dividend yield.
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