IBDZ vs IVV
iShares iBonds Dec 2034 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 | IBDZ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $875M | $907.0B | |
| Dividend Yield | 4.92% | 1.10% | |
| Holdings | 374 | 508 | |
| YTD Return | -0.23% | +14.29% | |
| 1Y Return | +2.72% | +21.79% | |
| 3Y Return (annualized) | - | +22.19% | |
| 5Y Return (annualized) | - | +13.28% | |
| Volatility (annualized) | 4.5% | 15.1% | |
| Max Drawdown | -5.6% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 22, 2024 | May 15, 2000 |
IBDZ vs IVV Performance
iShares iBonds Dec 2034 Term Corporate ETF (IBDZ) 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 IBDZ returned +2.72% while IVV returned +21.79%. Year to date, IBDZ is down 0.23% versus a gain of 14.29% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 4.5% for IBDZ. 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 -5.6% for IBDZ 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBDZ 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, IBDZ currently yields 4.92% against 1.10% for IVV.
Holdings Overlap
IBDZ and IVV share 1 holdings out of 861 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 IBDZ | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.35% | 0.15% | 0.20% |
Frequently Asked Questions
Which is cheaper, IBDZ or IVV?
IBDZ 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, IBDZ or IVV?
Over the past year IBDZ returned +2.72% vs +21.79% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IBDZ annualized +5.70% vs +7.06% for IVV. Past performance does not guarantee future results.
Which is riskier, IBDZ or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 4.5% for IBDZ. Worst drawdown: IBDZ -5.6% vs IVV -56.5%.
Should I hold both IBDZ and IVV?
IBDZ and IVV have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBDZ and IVV?
IBDZ and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 861 unique securities.
Which pays a higher dividend, IBDZ or IVV?
IBDZ yields 4.92% while IVV yields 1.10%, so IBDZ currently pays the higher dividend yield.
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