IVV vs PTL
iShares Core S&P 500 ETF vs Inspire 500 ETF
Quick Verdict
IVV has a lower expense ratio. PTL delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | PTL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.09% | |
| AUM | $865.2B | $873M | |
| Dividend Yield | 1.09% | 1.31% | |
| Holdings | 508 | 486 | |
| YTD Return | +13.72% | +17.02% | |
| 1Y Return | +21.64% | +21.88% | |
| 3Y Return (annualized) | +21.55% | - | |
| 5Y Return (annualized) | +13.27% | - | |
| Volatility (annualized) | 15.1% | 13.4% | |
| Max Drawdown | -56.5% | -19.7% | |
| Fund Family | iShares by BlackRock (US) | Inspire ETFs | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Mar 25, 2024 |
IVV vs PTL Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Inspire 500 ETF (PTL) is a ETF from Inspire ETFs. Over the past year IVV returned +21.64% while PTL returned +21.88%. Year to date, IVV is up 13.72% versus a gain of 17.02% for PTL.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 13.4% for PTL. 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 -19.7% for PTL. 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 0.90. 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 PTL charges 0.09%. On a $10,000 position that is $3 vs $9 annually, a gap of $6 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 1.31% for PTL.
Holdings Overlap
IVV and PTL share 197 holdings out of 791 unique holdings combined, representing a 19.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or PTL?
IVV has an expense ratio of 0.03% while PTL charges 0.09%. IVV is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, IVV or PTL?
Over the past year IVV returned +21.64% vs +21.88% for PTL, so PTL leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.04% vs +18.47% for PTL. Past performance does not guarantee future results.
Which is riskier, IVV or PTL?
IVV has been the more volatile fund at 15.1% annualized versus 13.4% for PTL. Worst drawdown: IVV -56.5% vs PTL -19.7%.
Should I hold both IVV and PTL?
IVV and PTL have a monthly-return correlation of 0.90, 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 PTL?
IVV and PTL share 197 common holdings with a 19.4% weight overlap. Combined, they hold 791 unique securities.
Which pays a higher dividend, IVV or PTL?
IVV yields 1.09% while PTL yields 1.31%, so PTL currently pays the higher dividend yield.
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