ITDJ vs IVV
iShares LifePath Target Date 2070 ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. ITDJ delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | ITDJ | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $15M | $865.2B | |
| Dividend Yield | 1.25% | 1.09% | |
| Holdings | 8 | 508 | |
| YTD Return | +14.04% | +13.43% | |
| 1Y Return | +24.75% | +22.61% | |
| 3Y Return (annualized) | - | +21.47% | |
| 5Y Return (annualized) | - | +13.26% | |
| Volatility (annualized) | 11.8% | 15.1% | |
| Max Drawdown | -16.6% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 12, 2024 | May 15, 2000 |
ITDJ vs IVV Performance
iShares LifePath Target Date 2070 ETF (ITDJ) 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 ITDJ returned +24.75% while IVV returned +22.61%. Year to date, ITDJ is up 14.04% versus a gain of 13.43% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 11.8% for ITDJ. 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 -16.6% for ITDJ 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
ITDJ 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, ITDJ currently yields 1.25% against 1.09% for IVV.
Holdings Overlap
ITDJ 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 ITDJ | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.14% | 0.15% | 0.01% |
Frequently Asked Questions
Which is cheaper, ITDJ or IVV?
ITDJ 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, ITDJ or IVV?
Over the past year ITDJ returned +24.75% vs +22.61% for IVV, so ITDJ leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +20.11% vs +7.03% for IVV. Past performance does not guarantee future results.
Which is riskier, ITDJ or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 11.8% for ITDJ. Worst drawdown: ITDJ -16.6% vs IVV -56.5%.
Should I hold both ITDJ and IVV?
ITDJ 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 ITDJ and IVV?
ITDJ and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, ITDJ or IVV?
ITDJ yields 1.25% while IVV yields 1.09%, so ITDJ currently pays the higher dividend yield.
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