IVV vs MBSX
iShares Core S&P 500 ETF vs Regan Fixed Rate MBS 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 | MBSX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.40% | |
| AUM | $907.0B | $19M | |
| Dividend Yield | 1.10% | 3.70% | |
| Holdings | 508 | 101 | |
| YTD Return | +12.28% | +5.29% | |
| 1Y Return | +20.94% | +8.91% | |
| 3Y Return (annualized) | +21.81% | - | |
| 5Y Return (annualized) | +13.05% | - | |
| Volatility (annualized) | 15.1% | 35.9% | |
| Max Drawdown | -56.5% | -27.6% | |
| Fund Family | iShares by BlackRock (US) | Regan Capital | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | May 1, 2025 |
IVV vs MBSX Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Regan Fixed Rate MBS ETF (MBSX) is a ETF from Regan Capital. Over the past year IVV returned +20.94% while MBSX returned +8.91%. Year to date, IVV is up 12.28% versus a gain of 5.29% for MBSX.
Risk: Volatility and Drawdowns
MBSX has been the more volatile fund, with annualized monthly volatility of 35.9% compared with 15.1% for IVV. 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 -27.6% for MBSX. 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while MBSX charges 0.40%. On a $10,000 position that is $3 vs $40 annually, a gap of $37 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 3.70% for MBSX.
Holdings Overlap
IVV and MBSX share 0 holdings out of 508 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 MBSX?
IVV has an expense ratio of 0.03% while MBSX charges 0.40%. IVV is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, IVV or MBSX?
Over the past year IVV returned +20.94% vs +8.91% for MBSX, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +6.98% vs +11.11% for MBSX. Past performance does not guarantee future results.
Which is riskier, IVV or MBSX?
MBSX has been the more volatile fund at 35.9% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs MBSX -27.6%.
Should I hold both IVV and MBSX?
IVV and MBSX have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and MBSX?
IVV and MBSX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, IVV or MBSX?
IVV yields 1.10% while MBSX yields 3.70%, so MBSX currently pays the higher dividend yield.
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