IVV vs JULW
iShares Core S&P 500 ETF vs AllianzIM US Equity Buffer20 Jul 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 | IVV | JULW | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.74% | |
| AUM | $907.0B | $253M | |
| Dividend Yield | 1.10% | 0.00% | |
| Holdings | 508 | 5 | |
| YTD Return | +12.28% | +5.55% | |
| 1Y Return | +20.94% | +9.26% | |
| 3Y Return (annualized) | +21.81% | +11.73% | |
| 5Y Return (annualized) | +13.05% | +9.13% | |
| Volatility (annualized) | 15.1% | 5.9% | |
| Max Drawdown | -56.5% | -9.5% | |
| Fund Family | iShares by BlackRock (US) | AllianzIM | |
| Category | Equity | Alternative | |
| Inception | May 15, 2000 | Jun 30, 2020 |
IVV vs JULW Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and AllianzIM US Equity Buffer20 Jul ETF (JULW) is a ETF from AllianzIM. Over the past year IVV returned +20.94% while JULW returned +9.26%. Year to date, IVV is up 12.28% versus a gain of 5.55% for JULW.
Over three years, IVV compounded at +21.81% per year against +11.73% for JULW; over five years the annualized figures are +13.05% and +9.13% respectively. Across the full 6-year window we track, JULW has the edge at +8.88% annualized vs +6.98%. 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 5.9% for JULW. 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 -56.5% for IVV and -9.5% for JULW. 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
IVV charges 0.03% per year while JULW charges 0.74%. On a $10,000 position that is $3 vs $74 annually, a gap of $71 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.00% for JULW.
Frequently Asked Questions
Which is cheaper, IVV or JULW?
IVV has an expense ratio of 0.03% while JULW charges 0.74%. IVV is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, IVV or JULW?
Over the past year IVV returned +20.94% vs +9.26% for JULW, so IVV leads on 1-year performance. Over the longest common window we track (6 years), IVV annualized +6.98% vs +8.88% for JULW. Past performance does not guarantee future results.
Which is riskier, IVV or JULW?
IVV has been the more volatile fund at 15.1% annualized versus 5.9% for JULW. Worst drawdown: IVV -56.5% vs JULW -9.5%.
Should I hold both IVV and JULW?
IVV and JULW have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, IVV or JULW?
IVV yields 1.10% while JULW yields 0.00%, so IVV currently pays the higher dividend yield.
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