IBDU vs IVV
iShares iBonds Dec 2029 Term Corporate ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IBDU offers more diversification with 565 holdings.
Side-by-Side Comparison
| Metric | IBDU | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $4.0B | $865.2B | |
| Dividend Yield | 4.65% | 1.09% | |
| Holdings | 675 | 508 | |
| YTD Return | +0.88% | +14.50% | |
| 1Y Return | +2.90% | +22.02% | |
| 3Y Return (annualized) | +6.05% | +21.80% | |
| 5Y Return (annualized) | +0.93% | +13.37% | |
| Volatility (annualized) | 7.3% | 15.1% | |
| Max Drawdown | -19.5% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 17, 2019 | May 15, 2000 |
IBDU vs IVV Performance
iShares iBonds Dec 2029 Term Corporate ETF (IBDU) 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 IBDU returned +2.90% while IVV returned +22.02%. Year to date, IBDU is up 0.88% versus a gain of 14.50% for IVV.
Over three years, IBDU compounded at +6.05% per year against +21.80% for IVV; over five years the annualized figures are +0.93% and +13.37% respectively. Across the full 7-year window we track, IVV has the edge at +7.07% annualized vs +1.90%. 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 7.3% for IBDU. 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 -19.5% for IBDU 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBDU 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, IBDU currently yields 4.65% against 1.09% for IVV.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, IBDU or IVV?
IBDU 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, IBDU or IVV?
Over the past year IBDU returned +2.90% vs +22.02% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (7 years), IBDU annualized +1.90% vs +7.07% for IVV. Past performance does not guarantee future results.
Which is riskier, IBDU or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 7.3% for IBDU. Worst drawdown: IBDU -19.5% vs IVV -56.5%.
Should I hold both IBDU and IVV?
IBDU and IVV have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBDU and IVV?
IBDU and IVV share 2 common holdings with a 0.2% weight overlap. Combined, they hold 1068 unique securities.
Which pays a higher dividend, IBDU or IVV?
IBDU yields 4.65% while IVV yields 1.09%, so IBDU currently pays the higher dividend yield.
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