IVV vs PRAY
iShares Core S&P 500 ETF vs FIS Christian Stock Fund
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 | PRAY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.69% | |
| AUM | $907.0B | $80M | |
| Dividend Yield | 1.10% | 0.61% | |
| Holdings | 508 | 68 | |
| YTD Return | +12.96% | +9.33% | |
| 1Y Return | +20.70% | +9.08% | |
| 3Y Return (annualized) | +22.10% | +13.88% | |
| 5Y Return (annualized) | +13.40% | - | |
| Volatility (annualized) | 15.1% | 14.3% | |
| Max Drawdown | -56.5% | -21.4% | |
| Fund Family | iShares by BlackRock (US) | Faith Investor Services | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Feb 7, 2022 |
IVV vs PRAY Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and FIS Christian Stock Fund (PRAY) is a ETF from Faith Investor Services. Over the past year IVV returned +20.70% while PRAY returned +9.08%. Year to date, IVV is up 12.96% versus a gain of 9.33% for PRAY.
Over three years, IVV compounded at +22.10% per year against +13.88% for PRAY. Across the full 4-year window we track, IVV has the edge at +7.01% annualized vs +6.55%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 14.3% for PRAY. 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 -21.4% for PRAY. 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 0.94. 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 PRAY charges 0.69%. On a $10,000 position that is $3 vs $69 annually, a gap of $66 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.61% for PRAY.
Holdings Overlap
IVV and PRAY share 42 holdings out of 531 unique holdings combined, representing a 22.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or PRAY?
IVV has an expense ratio of 0.03% while PRAY charges 0.69%. IVV is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, IVV or PRAY?
Over the past year IVV returned +20.70% vs +9.08% for PRAY, so IVV leads on 1-year performance. Over the longest common window we track (4 years), IVV annualized +7.01% vs +6.55% for PRAY. Past performance does not guarantee future results.
Which is riskier, IVV or PRAY?
IVV has been the more volatile fund at 15.1% annualized versus 14.3% for PRAY. Worst drawdown: IVV -56.5% vs PRAY -21.4%.
Should I hold both IVV and PRAY?
IVV and PRAY have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between IVV and PRAY?
IVV and PRAY share 42 common holdings with a 22.2% weight overlap. Combined, they hold 531 unique securities.
Which pays a higher dividend, IVV or PRAY?
IVV yields 1.10% while PRAY yields 0.61%, so IVV currently pays the higher dividend yield.
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