IBIL vs IVV
iShares iBonds Oct 2035 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 505 holdings.
Side-by-Side Comparison
| Metric | IBIL | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $37M | $865.2B | |
| Dividend Yield | 4.45% | 1.09% | |
| Holdings | 3 | 508 | |
| YTD Return | +2.74% | +14.50% | |
| 1Y Return | +4.70% | +22.02% | |
| 3Y Return (annualized) | - | +21.80% | |
| 5Y Return (annualized) | - | +13.37% | |
| Volatility (annualized) | 3.4% | 15.1% | |
| Max Drawdown | -5.3% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | May 15, 2000 |
IBIL vs IVV Performance
iShares iBonds Oct 2035 Term TIPS ETF (IBIL) 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 IBIL returned +4.70% while IVV returned +22.02%. Year to date, IBIL is up 2.74% versus a gain of 14.50% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 3.4% for IBIL. 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 -5.3% for IBIL 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIL 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, IBIL currently yields 4.45% against 1.09% for IVV.
Holdings Overlap
IBIL and IVV share 1 holdings out of 506 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 IBIL | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.00% | 0.15% | 0.15% |
Frequently Asked Questions
Which is cheaper, IBIL or IVV?
IBIL 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, IBIL or IVV?
Over the past year IBIL returned +4.70% vs +22.02% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IBIL annualized +6.52% vs +7.07% for IVV. Past performance does not guarantee future results.
Which is riskier, IBIL or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 3.4% for IBIL. Worst drawdown: IBIL -5.3% vs IVV -56.5%.
Should I hold both IBIL and IVV?
IBIL and IVV have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIL and IVV?
IBIL and IVV share 1 common holdings with a 0.0% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, IBIL or IVV?
IBIL yields 4.45% while IVV yields 1.09%, so IBIL currently pays the higher dividend yield.
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