IVV vs MBSF
iShares Core S&P 500 ETF vs REGAN FLOATING RATE MBS 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 | MBSF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.49% | |
| AUM | $865.2B | $235M | |
| Dividend Yield | 1.09% | 4.47% | |
| Holdings | 508 | 388 | |
| YTD Return | +14.50% | +2.37% | |
| 1Y Return | +22.02% | +5.14% | |
| 3Y Return (annualized) | +21.80% | - | |
| 5Y Return (annualized) | +13.37% | - | |
| Volatility (annualized) | 15.1% | 1.4% | |
| Max Drawdown | -56.5% | -1.0% | |
| Fund Family | iShares by BlackRock (US) | Regan Capital | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Feb 27, 2024 |
IVV vs MBSF Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and REGAN FLOATING RATE MBS ETF (MBSF) is a ETF from Regan Capital. Over the past year IVV returned +22.02% while MBSF returned +5.14%. Year to date, IVV is up 14.50% versus a gain of 2.37% for MBSF.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 1.4% for MBSF. 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 -1.0% for MBSF. 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 MBSF charges 0.49%. On a $10,000 position that is $3 vs $49 annually, a gap of $46 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.47% for MBSF.
Frequently Asked Questions
Which is cheaper, IVV or MBSF?
IVV has an expense ratio of 0.03% while MBSF charges 0.49%. IVV is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, IVV or MBSF?
Over the past year IVV returned +22.02% vs +5.14% for MBSF, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.07% vs +5.73% for MBSF. Past performance does not guarantee future results.
Which is riskier, IVV or MBSF?
IVV has been the more volatile fund at 15.1% annualized versus 1.4% for MBSF. Worst drawdown: IVV -56.5% vs MBSF -1.0%.
Should I hold both IVV and MBSF?
IVV and MBSF have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IVV or MBSF?
IVV yields 1.09% while MBSF yields 4.47%, so MBSF currently pays the higher dividend yield.
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