IRTR vs IVV
iShares LifePath Retirement 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 | IRTR | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $59M | $907.0B | |
| Dividend Yield | 3.10% | 1.10% | |
| Holdings | 15 | 508 | |
| YTD Return | +5.85% | +13.22% | |
| 1Y Return | +10.59% | +21.62% | |
| 3Y Return (annualized) | - | +22.17% | |
| 5Y Return (annualized) | - | +13.42% | |
| Volatility (annualized) | 6.8% | 15.1% | |
| Max Drawdown | -6.3% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | May 15, 2000 |
IRTR vs IVV Performance
iShares LifePath Retirement ETF (IRTR) 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 IRTR returned +10.59% while IVV returned +21.62%. Year to date, IRTR is up 5.85% versus a gain of 13.22% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 6.8% for IRTR. 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 -6.3% for IRTR 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IRTR charges 0.08% per year while IVV charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, IRTR currently yields 3.10% against 1.10% for IVV.
Holdings Overlap
IRTR and IVV share 1 holdings out of 518 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 IRTR | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.26% | 0.15% | 0.11% |
Frequently Asked Questions
Which is cheaper, IRTR or IVV?
IRTR has an expense ratio of 0.08% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, IRTR or IVV?
Over the past year IRTR returned +10.59% vs +21.62% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IRTR annualized +13.26% vs +7.02% for IVV. Past performance does not guarantee future results.
Which is riskier, IRTR or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 6.8% for IRTR. Worst drawdown: IRTR -6.3% vs IVV -56.5%.
Should I hold both IRTR and IVV?
IRTR and IVV have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IRTR and IVV?
IRTR and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 518 unique securities.
Which pays a higher dividend, IRTR or IVV?
IRTR yields 3.10% while IVV yields 1.10%, so IRTR currently pays the higher dividend yield.
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