IVV vs PRAY
iShares Core S&P 500 ETF vs FIS Christian Stock Fund
Which is better, IVV or PRAY?
IVV has been ahead.
IVV has a lower expense ratio. IVV led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. IVV is less concentrated, with 37.9% of the fund in its ten largest positions against 38.4%.
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 | PRAY |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.69% |
| AUM | $886.7B | $79M |
| Dividend Yield | 1.10% | 0.61% |
| Holdings | 508 | 69 |
| Volatility (annualized) | 15.9% | 14.3%Best |
| Max Drawdown | -22.1% | -21.4%Best |
| $10,000 over 3.9 years | $16,046Best | $12,807 |
| Top 10 Weight | 37.9%Best | 38.4% |
| Fund Family | iShares by BlackRock (US) | Faith Investor Services |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 15, 2000 | Feb 7, 2022 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 247 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. IVV has data through Sep 4, 2026 and PRAY through Dec 31, 2025.
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Feb 8, 2022 to Dec 31, 2025 (3.9 years).
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.9% 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 -22.1% for IVV and -21.4% for PRAY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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
29.0% of IVV's money is in holdings PRAY also owns. 61.8% of PRAY's money is in holdings IVV also owns.
The two portfolios partly overlap.
41 positions in common, counted across the 504 positions we hold weights for in IVV and 68 in PRAY, against full books of 508 and 69.
What only one of them owns
Our book lists 14 positions for PRAY that do not appear in our book for IVV (15.9% of the fund), and 452 for IVV that do not appear in PRAY (70.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IVV | Weight in PRAY | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.98% | 6.65% | 1.33% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 5.44% | 2.47% | 2.97% |
| GOOGL Alphabet Inc. Class A | 3.19% | 3.24% | 0.05% |
| AVGOBroadcom Inc | 2.98% | 3.19% | 0.21% |
| AMZNAmazon.Com Inc | 4.01% | 2.01% | 2.00% |
| CASYCasey's General Stores Inc | 0.05% | 4.68% | 4.63% |
| IBKRInteractive Brokers Group Inc | 0.06% | 3.18% | 3.12% |
| FIXComfort Systems Usa Inc Common Stock | 0.09% | 3.12% | 3.03% |
| CATCaterpillar, Inc. | 0.60% | 1.82% | 1.22% |
| URIUnited Rentals Inc Sedol 2134781 | 0.11% | 2.02% | 1.91% |
61.8% of PRAY is already inside IVV.
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 PRAY?
IVV has an expense ratio of 0.03% while PRAY charges 0.69%. IVV is the cheaper option, by $66 a year on a $10,000 investment.
Which is riskier, IVV or PRAY?
IVV has been the more volatile fund at 15.9% annualized versus 14.3% for PRAY. Worst drawdown: IVV -22.1% 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. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between IVV and PRAY?
61.8% of PRAY's money is in holdings IVV also owns. 61.8% of PRAY's is in holdings IVV also owns. They hold 41 positions in common, counted across the 504 positions we hold weights for in IVV and 68 in PRAY.
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.
Is PRAY better than IVV?
IVV has a lower expense ratio. IVV led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. IVV is less concentrated, with 37.9% of the fund in its ten largest positions against 38.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.