IVV vs LIAE
iShares Core S&P 500 ETF vs LifeX 2050 Inflation-Protected Longevity Income 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 | LIAE | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $865.2B | $3M | |
| Dividend Yield | 1.09% | 9.74% | |
| Holdings | 508 | 20 | |
| YTD Return | +13.72% | -4.26% | |
| 1Y Return | +21.64% | -1.96% | |
| 3Y Return (annualized) | +21.55% | - | |
| 5Y Return (annualized) | +13.27% | - | |
| Volatility (annualized) | 15.1% | 5.9% | |
| Max Drawdown | -56.5% | -7.0% | |
| Fund Family | iShares by BlackRock (US) | Stone Ridge Asset Management | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Jan 17, 2024 |
IVV vs LIAE Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and LifeX 2050 Inflation-Protected Longevity Income ETF (LIAE) is a ETF from Stone Ridge Asset Management. Over the past year IVV returned +21.64% while LIAE returned -1.96%. Year to date, IVV is up 13.72% versus a loss of 4.26% for LIAE.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 5.9% for LIAE. 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 -7.0% for LIAE. 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while LIAE 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 9.74% for LIAE.
Holdings Overlap
IVV and LIAE share 0 holdings out of 522 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 LIAE?
IVV has an expense ratio of 0.03% while LIAE 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 LIAE?
Over the past year IVV returned +21.64% vs -1.96% for LIAE, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.04% vs -2.07% for LIAE. Past performance does not guarantee future results.
Which is riskier, IVV or LIAE?
IVV has been the more volatile fund at 15.1% annualized versus 5.9% for LIAE. Worst drawdown: IVV -56.5% vs LIAE -7.0%.
Should I hold both IVV and LIAE?
IVV and LIAE have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and LIAE?
IVV and LIAE share 0 common holdings with a 0.0% weight overlap. Combined, they hold 522 unique securities.
Which pays a higher dividend, IVV or LIAE?
IVV yields 1.09% while LIAE yields 9.74%, so LIAE currently pays the higher dividend yield.
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