IVV vs NDEC

Quick Verdict

IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.

Lower Fees: IVVHigher Returns: IVVMore Diversified: IVV

Side-by-Side Comparison

MetricIVVNDECWinner
Expense Ratio0.03%0.79%
AUM$865.2B$62M
Dividend Yield1.09%0.00%
Holdings5086
YTD Return+13.80%+9.45%
1Y Return+23.70%+15.14%
3Y Return (annualized)+21.49%-
5Y Return (annualized)+13.43%-
Volatility (annualized)15.1%9.0%
Max Drawdown-56.5%-13.0%
Fund FamilyiShares by BlackRock (US)Innovator ETFs Trust
CategoryEquityAlternative
InceptionMay 15, 2000Nov 29, 2024

IVV vs NDEC Performance

iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Innovator Growth-100 Power Buffer ETF - December (NDEC) is a ETF from Innovator ETFs Trust. Over the past year IVV returned +23.70% while NDEC returned +15.14%. Year to date, IVV is up 13.80% versus a gain of 9.45% for NDEC.

Risk: Volatility and Drawdowns

IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 9.0% for NDEC. 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 -13.0% for NDEC. 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.

Fees and Cost Over Time

IVV charges 0.03% per year while NDEC charges 0.79%. On a $10,000 position that is $3 vs $79 annually, a gap of $76 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 0.00% for NDEC.

Frequently Asked Questions

Which is cheaper, IVV or NDEC?

IVV has an expense ratio of 0.03% while NDEC charges 0.79%. IVV is the cheaper option. On a $10,000 investment, that is $76 per year of difference.

Which performed better, IVV or NDEC?

Over the past year IVV returned +23.70% vs +15.14% for NDEC, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.05% vs +13.74% for NDEC. Past performance does not guarantee future results.

Which is riskier, IVV or NDEC?

IVV has been the more volatile fund at 15.1% annualized versus 9.0% for NDEC. Worst drawdown: IVV -56.5% vs NDEC -13.0%.

Should I hold both IVV and NDEC?

IVV and NDEC have a monthly-return correlation of 0.97, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.

Which pays a higher dividend, IVV or NDEC?

IVV yields 1.09% while NDEC yields 0.00%, so IVV currently pays the higher dividend yield.

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