IVV vs PCI
iShares Core S&P 500 ETF vs PGIM Corporate Bond 5-10 Year 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 | PCI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $907.0B | $530M | |
| Dividend Yield | 1.10% | 5.49% | |
| Holdings | 508 | 286 | |
| YTD Return | +12.28% | -2.98% | |
| 1Y Return | +20.94% | -0.80% | |
| 3Y Return (annualized) | +21.81% | - | |
| 5Y Return (annualized) | +13.05% | - | |
| Volatility (annualized) | 15.1% | 3.9% | |
| Max Drawdown | -56.5% | -4.5% | |
| Fund Family | iShares by BlackRock (US) | PGIM Investments | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Jul 29, 2025 |
IVV vs PCI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and PGIM Corporate Bond 5-10 Year ETF (PCI) is a ETF from PGIM Investments. Over the past year IVV returned +20.94% while PCI returned -0.80%. Year to date, IVV is up 12.28% versus a loss of 2.98% for PCI.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 3.9% for PCI. 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 -4.5% for PCI. 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while PCI charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 5.49% for PCI.
Holdings Overlap
IVV and PCI share 1 holdings out of 664 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in PCI | Difference |
|---|---|---|---|
| BK | 0.17% | 0.56% | 0.39% |
Frequently Asked Questions
Which is cheaper, IVV or PCI?
IVV has an expense ratio of 0.03% while PCI charges 0.25%. IVV is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, IVV or PCI?
Over the past year IVV returned +20.94% vs -0.80% for PCI, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +6.98% vs -0.67% for PCI. Past performance does not guarantee future results.
Which is riskier, IVV or PCI?
IVV has been the more volatile fund at 15.1% annualized versus 3.9% for PCI. Worst drawdown: IVV -56.5% vs PCI -4.5%.
Should I hold both IVV and PCI?
IVV and PCI have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and PCI?
IVV and PCI share 1 common holdings with a 0.2% weight overlap. Combined, they hold 664 unique securities.
Which pays a higher dividend, IVV or PCI?
IVV yields 1.10% while PCI yields 5.49%, so PCI currently pays the higher dividend yield.
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