IVV vs REM
iShares Core S&P 500 ETF vs iShares Mortgage Real Estate ETF
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 | REM | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.48% | |
| AUM | $907.0B | $547M | |
| Dividend Yield | 1.10% | 8.92% | |
| Holdings | 508 | 37 | |
| YTD Return | +12.96% | -1.76% | |
| 1Y Return | +20.70% | +6.00% | |
| 3Y Return (annualized) | +22.10% | +7.67% | |
| 5Y Return (annualized) | +13.40% | -1.53% | |
| Volatility (annualized) | 15.1% | 24.6% | |
| Max Drawdown | -56.5% | -92.9% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | May 1, 2007 |
IVV vs REM Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and iShares Mortgage Real Estate ETF (REM) is a ETF from iShares by BlackRock (US). Over the past year IVV returned +20.70% while REM returned +6.00%. Year to date, IVV is up 12.96% versus a loss of 1.76% for REM.
Over three years, IVV compounded at +22.10% per year against +7.67% for REM; over five years the annualized figures are +13.40% and -1.53% respectively. Across the full 19-year window we track, IVV has the edge at +7.01% annualized vs -8.74%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
REM has been the more volatile fund, with annualized monthly volatility of 24.6% compared with 15.1% for IVV. 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 -92.9% for REM. 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while REM charges 0.48%. On a $10,000 position that is $3 vs $48 annually, a gap of $45 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 8.92% for REM.
Holdings Overlap
IVV and REM share 0 holdings out of 508 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 REM?
IVV has an expense ratio of 0.03% while REM charges 0.48%. IVV is the cheaper option. On a $10,000 investment, that is $45 per year of difference.
Which performed better, IVV or REM?
Over the past year IVV returned +20.70% vs +6.00% for REM, so IVV leads on 1-year performance. Over the longest common window we track (19 years), IVV annualized +7.01% vs -8.74% for REM. Past performance does not guarantee future results.
Which is riskier, IVV or REM?
REM has been the more volatile fund at 24.6% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs REM -92.9%.
Should I hold both IVV and REM?
IVV and REM have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and REM?
IVV and REM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, IVV or REM?
IVV yields 1.10% while REM yields 8.92%, so REM currently pays the higher dividend yield.
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