IVV vs PINC
iShares Core S&P 500 ETF vs PGIM Securitized Income ETF
Quick Verdict
IVV has a lower expense ratio. PINC delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | PINC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.39% | |
| AUM | $907.0B | $25M | |
| Dividend Yield | 1.10% | 0.77% | |
| Holdings | 508 | 106 | |
| YTD Return | +13.22% | -0.13% | |
| 1Y Return | +21.62% | +92.79% | |
| 3Y Return (annualized) | +22.17% | +30.18% | |
| 5Y Return (annualized) | +13.42% | +8.83% | |
| Volatility (annualized) | 15.1% | 32.9% | |
| Max Drawdown | -56.5% | -56.7% | |
| Fund Family | iShares by BlackRock (US) | PGIM Investments | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Jun 1, 2026 |
IVV vs PINC Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and PGIM Securitized Income ETF (PINC) is a ETF from PGIM Investments. Over the past year IVV returned +21.62% while PINC returned +92.79%. Year to date, IVV is up 13.22% versus a loss of 0.13% for PINC.
Over three years, IVV compounded at +22.17% per year against +30.18% for PINC; over five years the annualized figures are +13.42% and +8.83% respectively. Across the full 13-year window we track, IVV has the edge at +7.02% annualized vs +5.19%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.9% compared with 15.1% 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 -56.5% for IVV and -56.7% for PINC. 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 0.16. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while PINC charges 0.39%. On a $10,000 position that is $3 vs $39 annually, a gap of $36 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.77% for PINC.
Holdings Overlap
IVV and PINC share 0 holdings out of 513 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or PINC?
IVV has an expense ratio of 0.03% while PINC charges 0.39%. IVV is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, IVV or PINC?
Over the past year IVV returned +21.62% vs +92.79% for PINC, so PINC leads on 1-year performance. Over the longest common window we track (13 years), IVV annualized +7.02% vs +5.19% for PINC. Past performance does not guarantee future results.
Which is riskier, IVV or PINC?
PINC has been the more volatile fund at 32.9% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs PINC -56.7%.
Should I hold both IVV and PINC?
IVV and PINC have a monthly-return correlation of 0.16, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and PINC?
IVV and PINC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 513 unique securities.
Which pays a higher dividend, IVV or PINC?
IVV yields 1.10% while PINC yields 0.77%, so IVV currently pays the higher dividend yield.
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