ICF vs IVV
iShares Select US REIT 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 | ICF | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.32% | 0.03% | |
| AUM | $2.1B | $865.2B | |
| Dividend Yield | 2.46% | 1.09% | |
| Holdings | 34 | 508 | |
| YTD Return | +14.01% | +13.80% | |
| 1Y Return | +16.27% | +23.01% | |
| 3Y Return (annualized) | +9.83% | +21.77% | |
| 5Y Return (annualized) | +2.51% | +13.39% | |
| Volatility (annualized) | 21.3% | 15.1% | |
| Max Drawdown | -78.8% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Jan 29, 2001 | May 15, 2000 |
ICF vs IVV Performance
iShares Select US REIT ETF (ICF) 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 ICF returned +16.27% while IVV returned +23.01%. Year to date, ICF is up 14.01% versus a gain of 13.80% for IVV.
Over three years, ICF compounded at +9.83% per year against +21.77% for IVV; over five years the annualized figures are +2.51% and +13.39% respectively. Across the full 26-year window we track, IVV has the edge at +7.04% annualized vs +5.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ICF has been the more volatile fund, with annualized monthly volatility of 21.3% compared with 15.1% for IVV. 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 -78.8% for ICF 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ICF charges 0.32% per year while IVV charges 0.03%. On a $10,000 position that is $32 vs $3 annually, a gap of $29 per year that compounds over a long holding period. On income, ICF currently yields 2.46% against 1.09% for IVV.
Holdings Overlap
ICF and IVV share 26 holdings out of 510 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, ICF or IVV?
ICF has an expense ratio of 0.32% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, ICF or IVV?
Over the past year ICF returned +16.27% vs +23.01% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (26 years), ICF annualized +5.45% vs +7.04% for IVV. Past performance does not guarantee future results.
Which is riskier, ICF or IVV?
ICF has been the more volatile fund at 21.3% annualized versus 15.1% for IVV. Worst drawdown: ICF -78.8% vs IVV -56.5%.
Should I hold both ICF and IVV?
ICF and IVV have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ICF and IVV?
ICF and IVV share 26 common holdings with a 1.9% weight overlap. Combined, they hold 510 unique securities.
Which pays a higher dividend, ICF or IVV?
ICF yields 2.46% while IVV yields 1.09%, so ICF currently pays the higher dividend yield.
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