IBTQ vs IVV
iShares iBonds Dec 2035 Term Treasury 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 | IBTQ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $241M | $907.0B | |
| Dividend Yield | 6.53% | 1.10% | |
| Holdings | 6 | 508 | |
| YTD Return | +1.86% | +12.71% | |
| 1Y Return | +4.70% | +21.89% | |
| 3Y Return (annualized) | - | +22.08% | |
| 5Y Return (annualized) | - | +12.96% | |
| Volatility (annualized) | 4.1% | 15.1% | |
| Max Drawdown | -4.0% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | May 15, 2000 |
IBTQ vs IVV Performance
iShares iBonds Dec 2035 Term Treasury ETF (IBTQ) 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 IBTQ returned +4.70% while IVV returned +21.89%. Year to date, IBTQ is up 1.86% versus a gain of 12.71% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 4.1% for IBTQ. 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 -4.0% for IBTQ 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBTQ 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, IBTQ currently yields 6.53% against 1.10% for IVV.
Holdings Overlap
IBTQ and IVV share 1 holdings out of 508 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 IBTQ | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.36% | 0.15% | 0.21% |
Frequently Asked Questions
Which is cheaper, IBTQ or IVV?
IBTQ has an expense ratio of 0.07% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, IBTQ or IVV?
Over the past year IBTQ returned +4.70% vs +21.89% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IBTQ annualized +5.80% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, IBTQ or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 4.1% for IBTQ. Worst drawdown: IBTQ -4.0% vs IVV -56.5%.
Should I hold both IBTQ and IVV?
IBTQ and IVV have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBTQ and IVV?
IBTQ and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, IBTQ or IVV?
IBTQ yields 6.53% while IVV yields 1.10%, so IBTQ currently pays the higher dividend yield.
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