IVV vs LDDR
iShares Core S&P 500 ETF vs LifeX 2035 Income Bucket 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 | IVV | LDDR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $865.2B | $41M | |
| Dividend Yield | 1.09% | 12.63% | |
| Holdings | 508 | 42 | |
| YTD Return | +13.43% | -8.14% | |
| 1Y Return | +22.61% | -6.31% | |
| 3Y Return (annualized) | +21.47% | - | |
| 5Y Return (annualized) | +13.26% | - | |
| Volatility (annualized) | 15.1% | 4.3% | |
| Max Drawdown | -56.5% | -8.6% | |
| Fund Family | iShares by BlackRock (US) | Stone Ridge Asset Management | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Jan 6, 2025 |
IVV vs LDDR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and LifeX 2035 Income Bucket ETF (LDDR) is a ETF from Stone Ridge Asset Management. Over the past year IVV returned +22.61% while LDDR returned -6.31%. Year to date, IVV is up 13.43% versus a loss of 8.14% for LDDR.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 4.3% for LDDR. 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 -8.6% for LDDR. 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 -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while LDDR charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 12.63% for LDDR.
Holdings Overlap
IVV and LDDR share 0 holdings out of 533 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or LDDR?
IVV has an expense ratio of 0.03% while LDDR charges 0.25%. IVV is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, IVV or LDDR?
Over the past year IVV returned +22.61% vs -6.31% for LDDR, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.03% vs -1.26% for LDDR. Past performance does not guarantee future results.
Which is riskier, IVV or LDDR?
IVV has been the more volatile fund at 15.1% annualized versus 4.3% for LDDR. Worst drawdown: IVV -56.5% vs LDDR -8.6%.
Should I hold both IVV and LDDR?
IVV and LDDR have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and LDDR?
IVV and LDDR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 533 unique securities.
Which pays a higher dividend, IVV or LDDR?
IVV yields 1.09% while LDDR yields 12.63%, so LDDR currently pays the higher dividend yield.
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