IVV vs LOTI
iShares Core S&P 500 ETF vs Liberty One Tactical Income ETF
Which is better, IVV or LOTI?
Large Cap Blend against Tactical Allocation.
IVV has a lower expense ratio. IVV led over 1Y. IVV is less concentrated, with 37.8% of the fund in its ten largest positions against 52.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IVV | LOTI |
|---|---|---|
| Expense Ratio | 0.03%Best | 1.01% |
| AUM | $876.4B | $48M |
| Dividend Yield | 1.06% | 1.95% |
| Holdings | 508 | 35 |
| YTD Return | +14.15%Best | +3.78% |
| 1Y Return | +17.31%Best | +3.92% |
| 3Y Return (annualized) | +23.17% | - |
| 5Y Return (annualized) | +13.85% | - |
| Volatility (annualized) | 13.2% | 6.3%Best |
| Top 10 Weight | 37.8%Best | 52.0% |
| Fund Family | iShares by BlackRock (US) | Liberty One Investment Management, LLC |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Blend | Tactical Allocation |
| Inception | May 15, 2000 | Sep 30, 2025 |
Not shown on this pair: Max Drawdown, $10,000 over the window.
IVV vs LOTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
IVV vs LOTI Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and Liberty One Tactical Income ETF (LOTI) is an ETF from Liberty One Investment Management, LLC. Over the past year IVV returned +17.31% while LOTI returned +3.92%. Year to date, IVV is up 14.15% versus a gain of 3.78% for LOTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 13.2% compared with 6.3% for LOTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.31. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IVV charges 0.03% per year while LOTI charges 1.01%. On a $10,000 position that is $3 vs $101 annually, a gap of $98 per year that compounds over a long holding period. On income, IVV currently yields 1.06% against 1.95% for LOTI.
Holdings Overlap
17.6% of IVV's money is in holdings LOTI also owns. 49.8% of LOTI's money is in holdings IVV also owns.
The two portfolios partly overlap.
23 positions in common, counted across the 490 positions we hold weights for in IVV and 34 in LOTI, against full books of 508 and 35.
What only one of them owns
Measured across the 490 and 34 positions we hold weights for.
IVV holds 459 positions LOTI does not, 81.1% of the fund.
Largest: NVDA 8.07%, AAPL 7.02%, AMZN 3.84%, GOOGL 3.00%, META 1.90%
Top Shared Holdings
| Stock | Weight in IVV | Weight in LOTI | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 5.69% | 1.90% | 3.79% |
| AVGOBroadcom Inc | 2.65% | 2.16% | 0.49% |
| LLYEli Lilly & Co. | 1.38% | 3.11% | 1.73% |
| GOOGAlphabet Inc | 2.39% | 2.02% | 0.37% |
| JNJJohnson & Johnson - Common | 0.97% | 2.95% | 1.98% |
| CAHCardinal Health Inc. | 0.08% | 3.10% | 3.02% |
| KOCoca Cola Co. | 0.52% | 2.57% | 2.05% |
| VVisa Inc Class A | 0.95% | 2.03% | 1.08% |
| GILDGilead Sciences | 0.27% | 2.58% | 2.31% |
| UNHUnitedhealth Group Incorporated | 0.53% | 2.30% | 1.77% |
49.8% of LOTI is already inside IVV.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IVV or LOTI?
IVV has an expense ratio of 0.03% while LOTI charges 1.01%. IVV is the cheaper option, by $98 a year on a $10,000 investment.
Which performed better, IVV or LOTI?
Over the past year IVV returned +17.31% vs +3.92% for LOTI, so IVV leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or LOTI?
IVV has been the more volatile fund at 13.2% annualized versus 6.3% for LOTI.
Should I hold both IVV and LOTI?
IVV and LOTI have a monthly-return correlation of 0.31, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IVV and LOTI?
49.8% of LOTI's money is in holdings IVV also owns. 49.8% of LOTI's is in holdings IVV also owns. They hold 23 positions in common, counted across the 490 positions we hold weights for in IVV and 34 in LOTI.
Which pays a higher dividend, IVV or LOTI?
IVV yields 1.06% while LOTI yields 1.95%, so LOTI currently pays the higher dividend yield.
Is LOTI better than IVV?
IVV has a lower expense ratio. IVV led over 1Y. IVV is less concentrated, with 37.8% of the fund in its ten largest positions against 52.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.