IVV vs MYCH
iShares Core S&P 500 ETF vs State Street My2028 Corporate Bond 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 | MYCH | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $907.0B | $763M | |
| Dividend Yield | 1.10% | 4.37% | |
| Holdings | 508 | 358 | |
| YTD Return | +12.28% | +1.57% | |
| 1Y Return | +20.94% | +3.70% | |
| 3Y Return (annualized) | +21.81% | - | |
| 5Y Return (annualized) | +13.05% | - | |
| Volatility (annualized) | 15.1% | 1.8% | |
| Max Drawdown | -56.5% | -1.4% | |
| Fund Family | iShares by BlackRock (US) | State Street Investment Management | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Sep 23, 2024 |
IVV vs MYCH Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and State Street My2028 Corporate Bond ETF (MYCH) is a ETF from State Street Investment Management. Over the past year IVV returned +20.94% while MYCH returned +3.70%. Year to date, IVV is up 12.28% versus a gain of 1.57% for MYCH.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 1.8% for MYCH. 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 -1.4% for MYCH. 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 MYCH charges 0.15%. On a $10,000 position that is $3 vs $15 annually, a gap of $12 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 4.37% for MYCH.
Holdings Overlap
IVV and MYCH share 1 holdings out of 588 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in MYCH | Difference |
|---|---|---|---|
| HUBB | 0.04% | 0.01% | 0.03% |
Frequently Asked Questions
Which is cheaper, IVV or MYCH?
IVV has an expense ratio of 0.03% while MYCH charges 0.15%. IVV is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, IVV or MYCH?
Over the past year IVV returned +20.94% vs +3.70% for MYCH, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +6.98% vs +4.17% for MYCH. Past performance does not guarantee future results.
Which is riskier, IVV or MYCH?
IVV has been the more volatile fund at 15.1% annualized versus 1.8% for MYCH. Worst drawdown: IVV -56.5% vs MYCH -1.4%.
Should I hold both IVV and MYCH?
IVV and MYCH 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 MYCH?
IVV and MYCH share 1 common holdings with a 0.0% weight overlap. Combined, they hold 588 unique securities.
Which pays a higher dividend, IVV or MYCH?
IVV yields 1.10% while MYCH yields 4.37%, so MYCH currently pays the higher dividend yield.
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