ITDI vs IVV
ITDI vs IVV
iShares LifePath Target Date 2065 ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. ITDI delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | ITDI | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $27M | $865.2B | |
| Dividend Yield | 1.45% | 1.09% | |
| Holdings | 8 | 508 | |
| YTD Return | +14.43% | +13.80% | |
| 1Y Return | +25.48% | +23.70% | |
| 3Y Return (annualized) | - | +21.49% | |
| 5Y Return (annualized) | - | +13.43% | |
| Volatility (annualized) | 11.6% | 15.1% | |
| Max Drawdown | -16.3% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | May 15, 2000 |
ITDI vs IVV Performance
iShares LifePath Target Date 2065 ETF (ITDI) 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 ITDI returned +25.48% while IVV returned +23.70%. Year to date, ITDI is up 14.43% versus a gain of 13.80% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 11.6% for ITDI. 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 -16.3% for ITDI 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDI charges 0.12% per year while IVV charges 0.03%. On a $10,000 position that is $12 vs $3 annually, a gap of $9 per year that compounds over a long holding period. On income, ITDI currently yields 1.45% against 1.09% for IVV.
Holdings Overlap
ITDI and IVV share 1 holdings out of 511 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 ITDI | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.15% | 0.15% | 0.00% |
Frequently Asked Questions
Which is cheaper, ITDI or IVV?
ITDI has an expense ratio of 0.12% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, ITDI or IVV?
Over the past year ITDI returned +25.48% vs +23.70% for IVV, so ITDI leads on 1-year performance. Over the longest common window we track (3 years), ITDI annualized +24.51% vs +7.05% for IVV. Past performance does not guarantee future results.
Which is riskier, ITDI or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 11.6% for ITDI. Worst drawdown: ITDI -16.3% vs IVV -56.5%.
Should I hold both ITDI and IVV?
ITDI and IVV have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between ITDI and IVV?
ITDI and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, ITDI or IVV?
ITDI yields 1.45% while IVV yields 1.09%, so ITDI currently pays the higher dividend yield.
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