IVV vs RILA
iShares Core S&P 500 ETF vs Indexperts Gorilla Aggressive Growth ETF
Which is better, IVV or RILA?
Large Cap Blend against Equity-oriented Balanced.
IVV has a lower expense ratio. IVV led over 1Y and the full window. RILA is less concentrated, with 37.5% of the fund in its ten largest positions against 37.9%.
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 | RILA |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.50% |
| AUM | $876.4B | $44M |
| Dividend Yield | 1.06% | 0.10% |
| Holdings | 508 | 171 |
| YTD Return | +12.51%Best | +4.43% |
| 1Y Return | +17.57%Best | +2.33% |
| 3Y Return (annualized) | +21.27% | - |
| 5Y Return (annualized) | +12.95% | - |
| Volatility (annualized) | 12.9%Best | 15.5% |
| Max Drawdown | -18.8%Best | -20.0% |
| $10,000 over 1.7 years | $13,336Best | $11,998 |
| Top 10 Weight | 37.9% | 37.5%Best |
| Fund Family | iShares by BlackRock (US) | Indexperts |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Blend | Equity-oriented Balanced |
| Inception | May 15, 2000 | Dec 31, 2024 |
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Jan 2, 2025 to Sep 11, 2026 (1.7 years).
IVV vs RILA growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.7 years both funds cover.
IVV vs RILA Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and Indexperts Gorilla Aggressive Growth ETF (RILA) is an ETF from Indexperts. Over the past year IVV returned +17.57% while RILA returned +2.33%. Year to date, IVV is up 12.51% versus a gain of 4.43% for RILA.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RILA has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 12.9% 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 -18.8% for IVV and -20.0% for RILA. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while RILA charges 0.50%. On a $10,000 position that is $3 vs $50 annually, a gap of $47 per year that compounds over a long holding period. On income, IVV currently yields 1.06% against 0.10% for RILA.
Holdings Overlap
36.4% of IVV's money is in holdings RILA also owns. 86.6% of RILA's money is in holdings IVV also owns.
Most of RILA is already inside IVV. Owning both mostly buys the same companies twice.
70 positions in common, counted across the 505 positions we hold weights for in IVV and 170 in RILA, against full books of 508 and 171.
What only one of them owns
Our book lists 95 positions for RILA that do not appear in our book for IVV (11.9% of the fund), and 425 for IVV that do not appear in RILA (62.9%).
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 RILA | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.98% | 5.05% | 2.93% |
| AVGOBroadcom Inc | 2.98% | 4.84% | 1.86% |
| AMZNAmazon.Com Inc | 4.01% | 3.61% | 0.40% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 5.44% | 1.18% | 4.26% |
| LLYEli Lilly & Co. | 1.39% | 4.37% | 2.98% |
| PANWPalo Alto Networks Inc. | 0.44% | 4.64% | 4.20% |
| TSLATesla Inc | 1.36% | 3.03% | 1.67% |
| APHAmphenol Corp. Class A | 0.32% | 3.56% | 3.24% |
| PLTRPalantir Technologies Inc | 0.55% | 2.95% | 2.40% |
| METAMeta Platforms, Inc. | 1.94% | 1.53% | 0.41% |
86.6% of RILA 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 RILA?
IVV has an expense ratio of 0.03% while RILA charges 0.50%. IVV is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, IVV or RILA?
Over the past year IVV returned +17.57% vs +2.33% for RILA, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +18.45% vs +11.31% for RILA. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or RILA?
RILA has been the more volatile fund at 15.5% annualized versus 12.9% for IVV. Worst drawdown: IVV -18.8% vs RILA -20.0%.
Should I hold both IVV and RILA?
IVV and RILA have a monthly-return correlation of 0.89, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IVV and RILA?
86.6% of RILA's money is in holdings IVV also owns. 86.6% of RILA's is in holdings IVV also owns. They hold 70 positions in common, counted across the 505 positions we hold weights for in IVV and 170 in RILA.
Which pays a higher dividend, IVV or RILA?
IVV yields 1.06% while RILA yields 0.10%, so IVV currently pays the higher dividend yield.
Is RILA better than IVV?
IVV has a lower expense ratio. IVV led over 1Y and the full window. RILA is less concentrated, with 37.5% of the fund in its ten largest positions against 37.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.