IVV vs RDFI
iShares Core S&P 500 ETF vs Rareview Dynamic Fixed Income 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 | RDFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 4.23% | |
| AUM | $865.2B | $84M | |
| Dividend Yield | 1.09% | 8.16% | |
| Holdings | 508 | 41 | |
| YTD Return | +13.80% | -2.13% | |
| 1Y Return | +23.01% | +1.26% | |
| 3Y Return (annualized) | +21.77% | +8.29% | |
| 5Y Return (annualized) | +13.39% | +1.76% | |
| Volatility (annualized) | 15.1% | 10.8% | |
| Max Drawdown | -56.5% | -23.7% | |
| Fund Family | iShares by BlackRock (US) | Rareview Capital | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Oct 21, 2020 |
IVV vs RDFI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Rareview Dynamic Fixed Income ETF (RDFI) is a ETF from Rareview Capital. Over the past year IVV returned +23.01% while RDFI returned +1.26%. Year to date, IVV is up 13.80% versus a loss of 2.13% for RDFI.
Over three years, IVV compounded at +21.77% per year against +8.29% for RDFI; over five years the annualized figures are +13.39% and +1.76% respectively. Across the full 6-year window we track, IVV has the edge at +7.04% annualized vs +5.21%. 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 10.8% for RDFI. 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 -23.7% for RDFI. 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while RDFI charges 4.23%. On a $10,000 position that is $3 vs $423 annually, a gap of $420 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 8.16% for RDFI.
Holdings Overlap
IVV and RDFI share 0 holdings out of 538 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 RDFI?
IVV has an expense ratio of 0.03% while RDFI charges 4.23%. IVV is the cheaper option. On a $10,000 investment, that is $420 per year of difference.
Which performed better, IVV or RDFI?
Over the past year IVV returned +23.01% vs +1.26% for RDFI, so IVV leads on 1-year performance. Over the longest common window we track (6 years), IVV annualized +7.04% vs +5.21% for RDFI. Past performance does not guarantee future results.
Which is riskier, IVV or RDFI?
IVV has been the more volatile fund at 15.1% annualized versus 10.8% for RDFI. Worst drawdown: IVV -56.5% vs RDFI -23.7%.
Should I hold both IVV and RDFI?
IVV and RDFI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and RDFI?
IVV and RDFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 538 unique securities.
Which pays a higher dividend, IVV or RDFI?
IVV yields 1.09% while RDFI yields 8.16%, so RDFI currently pays the higher dividend yield.
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