IVV vs RBIL
iShares Core S&P 500 ETF vs F/m Ultrashort Treasury Inflation-Protected Security (TIPS) 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 | RBIL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.17% | |
| AUM | $865.2B | $153M | |
| Dividend Yield | 1.09% | 4.38% | |
| Holdings | 508 | 6 | |
| YTD Return | +13.80% | +2.70% | |
| 1Y Return | +23.01% | +3.87% | |
| 3Y Return (annualized) | +21.77% | - | |
| 5Y Return (annualized) | +13.39% | - | |
| Volatility (annualized) | 15.1% | 0.9% | |
| Max Drawdown | -56.5% | -0.6% | |
| Fund Family | iShares by BlackRock (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Feb 24, 2025 |
IVV vs RBIL Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL) is a ETF from US Benchmark Series. Over the past year IVV returned +23.01% while RBIL returned +3.87%. Year to date, IVV is up 13.80% versus a gain of 2.70% for RBIL.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 0.9% for RBIL. 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 -0.6% for RBIL. 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 -0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while RBIL charges 0.17%. On a $10,000 position that is $3 vs $17 annually, a gap of $14 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.38% for RBIL.
Holdings Overlap
IVV and RBIL share 0 holdings out of 510 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 RBIL?
IVV has an expense ratio of 0.03% while RBIL charges 0.17%. IVV is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, IVV or RBIL?
Over the past year IVV returned +23.01% vs +3.87% for RBIL, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.04% vs +4.22% for RBIL. Past performance does not guarantee future results.
Which is riskier, IVV or RBIL?
IVV has been the more volatile fund at 15.1% annualized versus 0.9% for RBIL. Worst drawdown: IVV -56.5% vs RBIL -0.6%.
Should I hold both IVV and RBIL?
IVV and RBIL have a monthly-return correlation of -0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and RBIL?
IVV and RBIL share 0 common holdings with a 0.0% weight overlap. Combined, they hold 510 unique securities.
Which pays a higher dividend, IVV or RBIL?
IVV yields 1.09% while RBIL yields 4.38%, so RBIL currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.