IBIH vs IVV
iShares iBonds Oct 2031 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 | IBIH | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $71M | $907.0B | |
| Dividend Yield | 4.97% | 1.10% | |
| Holdings | 5 | 508 | |
| YTD Return | +1.79% | +12.28% | |
| 1Y Return | +2.80% | +20.94% | |
| 3Y Return (annualized) | +5.68% | +21.81% | |
| 5Y Return (annualized) | - | +13.05% | |
| Volatility (annualized) | 4.5% | 15.1% | |
| Max Drawdown | -3.9% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 19, 2023 | May 15, 2000 |
IBIH vs IVV Performance
iShares iBonds Oct 2031 Term TIPS ETF (IBIH) 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 IBIH returned +2.80% while IVV returned +20.94%. Year to date, IBIH is up 1.79% versus a gain of 12.28% for IVV.
Over three years, IBIH compounded at +5.68% per year against +21.81% for IVV. Across the full 3-year window we track, IVV has the edge at +6.98% annualized vs +5.68%. 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 4.5% for IBIH. 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 -3.9% for IBIH 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 0.43. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIH 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, IBIH currently yields 4.97% against 1.10% for IVV.
Holdings Overlap
IBIH and IVV share 1 holdings out of 507 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IBIH | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.02% | 0.15% | 0.13% |
Frequently Asked Questions
Which is cheaper, IBIH or IVV?
IBIH 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, IBIH or IVV?
Over the past year IBIH returned +2.80% vs +20.94% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IBIH annualized +5.68% vs +6.98% for IVV. Past performance does not guarantee future results.
Which is riskier, IBIH or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 4.5% for IBIH. Worst drawdown: IBIH -3.9% vs IVV -56.5%.
Should I hold both IBIH and IVV?
IBIH and IVV have a monthly-return correlation of 0.43, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIH and IVV?
IBIH and IVV share 1 common holdings with a 0.0% weight overlap. Combined, they hold 507 unique securities.
Which pays a higher dividend, IBIH or IVV?
IBIH yields 4.97% while IVV yields 1.10%, so IBIH currently pays the higher dividend yield.
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