IJUL vs IVV
Innovator International Developed Power Buffer ETF - July 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 | IJUL | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $244M | $865.2B | |
| Dividend Yield | 0.00% | 1.09% | |
| Holdings | 6 | 508 | |
| YTD Return | +10.14% | +14.50% | |
| 1Y Return | +14.70% | +22.02% | |
| 3Y Return (annualized) | +12.46% | +21.80% | |
| 5Y Return (annualized) | +8.50% | +13.37% | |
| Volatility (annualized) | 9.2% | 15.1% | |
| Max Drawdown | -21.1% | -56.5% | |
| Fund Family | Innovator ETFs Trust | iShares by BlackRock (US) | |
| Category | Alternative | Equity | |
| Inception | Jun 28, 2019 | May 15, 2000 |
IJUL vs IVV Performance
Innovator International Developed Power Buffer ETF - July (IJUL) is a ETF from Innovator ETFs Trust and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year IJUL returned +14.70% while IVV returned +22.02%. Year to date, IJUL is up 10.14% versus a gain of 14.50% for IVV.
Over three years, IJUL compounded at +12.46% per year against +21.80% for IVV; over five years the annualized figures are +8.50% and +13.37% respectively. Across the full 7-year window we track, IVV has the edge at +7.07% annualized vs +6.94%. 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 9.2% for IJUL. 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 -21.1% for IJUL 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IJUL charges 0.85% per year while IVV charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, IJUL currently yields 0.00% against 1.09% for IVV.
Frequently Asked Questions
Which is cheaper, IJUL or IVV?
IJUL has an expense ratio of 0.85% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, IJUL or IVV?
Over the past year IJUL returned +14.70% vs +22.02% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (7 years), IJUL annualized +6.94% vs +7.07% for IVV. Past performance does not guarantee future results.
Which is riskier, IJUL or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 9.2% for IJUL. Worst drawdown: IJUL -21.1% vs IVV -56.5%.
Should I hold both IJUL and IVV?
IJUL and IVV have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IJUL or IVV?
IJUL yields 0.00% while IVV yields 1.09%, so IVV currently pays the higher dividend yield.
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