IBGB vs IVV
iShares iBonds Dec 2045 Term Treasury ETF vs iShares Core S&P 500 ETF
Which is better, IBGB or IVV?
IVV has been ahead.
IVV has a lower expense ratio. IVV led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IBGB | IVV |
|---|---|---|
| Expense Ratio | 0.07% | 0.03%Best |
| AUM | $9M | $876.4B |
| Dividend Yield | 4.76% | 1.06% |
| Holdings | 10 | 508 |
| YTD Return | -2.85% | +12.27%Best |
| 1Y Return | -3.68% | +17.04%Best |
| 3Y Return (annualized) | - | +21.24% |
| 5Y Return (annualized) | - | +13.08% |
| Volatility (annualized) | 7.3%Best | 12.0% |
| Max Drawdown | -7.7%Best | -12.7% |
| $10,000 over 1.5 years | $10,093 | $13,675Best |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Mar 25, 2025 | May 15, 2000 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Mar 26, 2025 to Sep 17, 2026 (1.5 years).
IBGB vs IVV growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.5 years both funds cover.
IBGB vs IVV Performance
iShares iBonds Dec 2045 Term Treasury ETF (IBGB) is an ETF from iShares by BlackRock (US) and iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US). Over the past year IBGB returned -3.68% while IVV returned +17.04%. Year to date, IBGB is down 2.85% versus a gain of 12.27% for IVV.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 12.0% compared with 7.3% for IBGB. 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 -7.7% for IBGB and -12.7% for IVV. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.18. They move largely independently of each other.
Fees and Cost Over Time
IBGB charges 0.07% per year while IVV charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, IBGB currently yields 4.76% against 1.06% for IVV.
Holdings Overlap
At least 0.1% of IVV's money is in holdings IBGB also owns.
Stated as a floor: for IBGB, our book for it covers 82.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 8 positions we hold weights for in IBGB and 490 in IVV, against full books of 10 and 508.
Top Shared Holdings
| Stock | Weight in IBGB | Weight in IVV | Difference |
|---|---|---|---|
| XTSLABlackrock Cash Funds: Treasury, Sl Agency Shares | 1.23% | 0.15% | 1.08% |
You are not choosing between two funds in isolation.
Whichever of IBGB and IVV you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IBGB or IVV?
IBGB has an expense ratio of 0.07% while IVV charges 0.03%. IVV is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, IBGB or IVV?
Over the past year IBGB returned -3.68% vs +17.04% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IBGB annualized +0.62% vs +23.20% for IVV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBGB or IVV?
IVV has been the more volatile fund at 12.0% annualized versus 7.3% for IBGB. Worst drawdown: IBGB -7.7% vs IVV -12.7%.
Should I hold both IBGB and IVV?
IBGB and IVV have a monthly-return correlation of 0.18, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IBGB or IVV?
IBGB yields 4.76% while IVV yields 1.06%, so IBGB currently pays the higher dividend yield.
Is IVV better than IBGB?
IVV has a lower expense ratio. IVV led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.