IVV vs PCR
iShares Core S&P 500 ETF vs Simplify VettaFi Private Credit Strategy ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | PCR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.76% | |
| AUM | $865.2B | $2M | |
| Dividend Yield | 1.09% | 8.86% | |
| Holdings | 508 | 256 | |
| YTD Return | +13.72% | -7.43% | |
| 1Y Return | +21.64% | -12.95% | |
| 3Y Return (annualized) | +21.55% | - | |
| 5Y Return (annualized) | +13.27% | - | |
| Volatility (annualized) | 15.1% | - | |
| Max Drawdown | -56.5% | -20.1% | |
| Fund Family | iShares by BlackRock (US) | Simplify Exchange Traded Funds | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Sep 22, 2025 |
IVV vs PCR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Simplify VettaFi Private Credit Strategy ETF (PCR) is a ETF from Simplify Exchange Traded Funds. Over the past year IVV returned +21.64% while PCR returned -12.95%. Year to date, IVV is up 13.72% versus a loss of 7.43% for PCR.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for IVV and -20.1% for PCR. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
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 1.09% against 8.86% for PCR.
Holdings Overlap
IVV and PCR share 48 holdings out of 650 unique holdings combined, representing a 4.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $73 per year of difference.
Which performed better, IVV or PCR?
Over the past year IVV returned +21.64% vs -12.95% for PCR, so IVV leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between IVV and PCR?
IVV and PCR share 48 common holdings with a 4.5% weight overlap. Combined, they hold 650 unique securities.
Which pays a higher dividend, IVV or PCR?
IVV yields 1.09% while PCR yields 8.86%, so PCR currently pays the higher dividend yield.
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