IVV vs PCR
iShares Core S&P 500 ETF vs Simplify VettaFi Private Credit Strategy ETF
Which is better, IVV or PCR?
Large Cap Blend against High Yield Bond.
IVV has a lower expense ratio. IVV led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IVV | PCR |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.76% |
| AUM | $882.6B | $2M |
| Dividend Yield | 1.06% | 10.74% |
| Holdings | 508 | 538 |
| YTD Return | +13.60%Best | -13.87% |
| 1Y Return | +16.32%Best | -18.70% |
| 3Y Return (annualized) | +23.81% | - |
| 5Y Return (annualized) | +14.03% | - |
| Volatility (annualized) | 12.7%Best | 16.4% |
| Max Drawdown | -8.9%Best | -20.1% |
| $10,000 over 1 years | $11,693Best | $8,139 |
| Fund Family | iShares by BlackRock (US) | Simplify Exchange Traded Funds |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | High Yield Bond |
| Inception | May 15, 2000 | Sep 22, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 23, 2025 to Oct 2, 2026 (1 years).
IVV vs PCR growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1 years both funds cover.
IVV vs PCR Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and Simplify VettaFi Private Credit Strategy ETF (PCR) is an ETF from Simplify Exchange Traded Funds. Over the past year IVV returned +16.32% while PCR returned -18.70%. Year to date, IVV is up 13.60% versus a loss of 13.87% for PCR.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PCR has been the more volatile fund, with annualized monthly volatility of 16.4% compared with 12.7% 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 -8.9% for IVV and -20.1% for PCR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.48. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IVV charges 0.03% per year while PCR charges 0.76%. On a $10,000 position that is $3 vs $76 annually, a gap of $73 per year that compounds over a long holding period. On income, IVV currently yields 1.06% against 10.74% for PCR.
Holdings Overlap
At least 47.1% of IVV's money is in holdings PCR also owns.
Only one direction is shown: for PCR, our book for it lists positions totalling 156.9% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
The two portfolios partly overlap.
119 positions in common, counted across the 505 positions we hold weights for in IVV and 257 in PCR, against full books of 508 and 538.
Top Shared Holdings
| Stock | Weight in IVV | Weight in PCR | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.00% | 0.34% | 7.66% |
| AAPLApple, Inc | 7.39% | 0.36% | 7.03% |
| MSFTMicrosoft Corp | 5.57% | 0.43% | 5.14% |
| GOOGLAlphabet Inc,class A | 3.00% | 0.32% | 2.68% |
| AVGOBroadcom Inc | 2.59% | 0.29% | 2.30% |
| METAMeta Platforms Inc | 2.15% | 0.38% | 1.77% |
| JPMJpmorgan Chase | 1.44% | 0.33% | 1.11% |
| VVisa Inc Class A | 0.93% | 0.36% | 0.57% |
| MAMastercard Inc | 0.70% | 0.37% | 0.33% |
| ABBVAbbvie Inc. | 0.69% | 0.35% | 0.34% |
47.1% of IVV is already inside PCR.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IVV or PCR?
IVV has an expense ratio of 0.03% while PCR charges 0.76%. IVV is the cheaper option, by $73 a year on a $10,000 investment.
Which performed better, IVV or PCR?
Over the past year IVV returned +16.32% vs -18.70% for PCR, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +16.93% vs -18.61% for PCR. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or PCR?
PCR has been the more volatile fund at 16.4% annualized versus 12.7% for IVV. Worst drawdown: IVV -8.9% vs PCR -20.1%.
Should I hold both IVV and PCR?
IVV and PCR have a monthly-return correlation of 0.48, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IVV and PCR?
At least 47.1% of IVV's money is in holdings PCR also owns. Our book for PCR is partial, so the real figure is this or higher. They hold 119 positions in common, counted across the 505 positions we hold weights for in IVV and 257 in PCR.
Which pays a higher dividend, IVV or PCR?
IVV yields 1.06% while PCR yields 10.74%, so PCR currently pays the higher dividend yield.
Is PCR better than IVV?
IVV has a lower expense ratio. IVV led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.