IBHJ vs IVV
iShares iBonds 2030 Term High Yield and Income 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 | IBHJ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $176M | $907.0B | |
| Dividend Yield | 6.69% | 1.10% | |
| Holdings | 299 | 508 | |
| YTD Return | -0.96% | +12.71% | |
| 1Y Return | +2.07% | +21.89% | |
| 3Y Return (annualized) | +7.63% | +22.08% | |
| 5Y Return (annualized) | - | +12.96% | |
| Volatility (annualized) | 5.0% | 15.1% | |
| Max Drawdown | -4.9% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 21, 2023 | May 15, 2000 |
IBHJ vs IVV Performance
iShares iBonds 2030 Term High Yield and Income ETF (IBHJ) 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 IBHJ returned +2.07% while IVV returned +21.89%. Year to date, IBHJ is down 0.96% versus a gain of 12.71% for IVV.
Over three years, IBHJ compounded at +7.63% per year against +22.08% for IVV. Across the full 3-year window we track, IBHJ has the edge at +7.42% annualized vs +7.00%. 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 5.0% for IBHJ. 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 -4.9% for IBHJ 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHJ charges 0.35% per year while IVV charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, IBHJ currently yields 6.69% against 1.10% for IVV.
Holdings Overlap
IBHJ and IVV share 1 holdings out of 760 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 IBHJ | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 1.00% | 0.15% | 0.85% |
Frequently Asked Questions
Which is cheaper, IBHJ or IVV?
IBHJ has an expense ratio of 0.35% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, IBHJ or IVV?
Over the past year IBHJ returned +2.07% vs +21.89% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IBHJ annualized +7.42% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, IBHJ or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 5.0% for IBHJ. Worst drawdown: IBHJ -4.9% vs IVV -56.5%.
Should I hold both IBHJ and IVV?
IBHJ and IVV have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBHJ and IVV?
IBHJ and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 760 unique securities.
Which pays a higher dividend, IBHJ or IVV?
IBHJ yields 6.69% while IVV yields 1.10%, so IBHJ currently pays the higher dividend yield.
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