IBIC vs IVV
iShares iBonds Oct 2026 Term TIPS 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 | IBIC | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $77M | $907.0B | |
| Dividend Yield | 4.62% | 1.10% | |
| Holdings | 4 | 508 | |
| YTD Return | +2.71% | +14.29% | |
| 1Y Return | +4.01% | +21.79% | |
| 3Y Return (annualized) | +5.21% | +22.19% | |
| 5Y Return (annualized) | - | +13.28% | |
| Volatility (annualized) | 1.1% | 15.1% | |
| Max Drawdown | -0.9% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 13, 2023 | May 15, 2000 |
IBIC vs IVV Performance
iShares iBonds Oct 2026 Term TIPS ETF (IBIC) 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 IBIC returned +4.01% while IVV returned +21.79%. Year to date, IBIC is up 2.71% versus a gain of 14.29% for IVV.
Over three years, IBIC compounded at +5.21% per year against +22.19% for IVV. Across the full 3-year window we track, IVV has the edge at +7.06% annualized vs +5.21%. 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 1.1% for IBIC. 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 -0.9% for IBIC 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 0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIC 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, IBIC currently yields 4.62% against 1.10% for IVV.
Holdings Overlap
IBIC and IVV share 1 holdings out of 506 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 IBIC | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.17% | 0.15% | 0.02% |
Frequently Asked Questions
Which is cheaper, IBIC or IVV?
IBIC 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, IBIC or IVV?
Over the past year IBIC returned +4.01% vs +21.79% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IBIC annualized +5.21% vs +7.06% for IVV. Past performance does not guarantee future results.
Which is riskier, IBIC or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 1.1% for IBIC. Worst drawdown: IBIC -0.9% vs IVV -56.5%.
Should I hold both IBIC and IVV?
IBIC and IVV have a monthly-return correlation of 0.09, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIC and IVV?
IBIC and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, IBIC or IVV?
IBIC yields 4.62% while IVV yields 1.10%, so IBIC currently pays the higher dividend yield.
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