IVV vs RISN
iShares Core S&P 500 ETF vs Inspire Capital Appreciation 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 | RISN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.72% | |
| AUM | $907.0B | $73M | |
| Dividend Yield | 1.10% | 1.16% | |
| Holdings | 508 | 29 | |
| YTD Return | +13.74% | +8.57% | |
| 1Y Return | +21.54% | +12.13% | |
| 3Y Return (annualized) | +22.61% | +11.78% | |
| 5Y Return (annualized) | +13.31% | +4.10% | |
| Volatility (annualized) | 15.1% | 11.1% | |
| Max Drawdown | -56.5% | -21.9% | |
| Fund Family | iShares by BlackRock (US) | Inspire ETFs | |
| Category | Equity | Allocation/Balanced | |
| Inception | May 15, 2000 | Jul 15, 2020 |
IVV vs RISN Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Inspire Capital Appreciation ETF (RISN) is a ETF from Inspire ETFs. Over the past year IVV returned +21.54% while RISN returned +12.13%. Year to date, IVV is up 13.74% versus a gain of 8.57% for RISN.
Over three years, IVV compounded at +22.61% per year against +11.78% for RISN; over five years the annualized figures are +13.31% and +4.10% respectively. Across the full 6-year window we track, IVV has the edge at +7.04% annualized vs +6.61%. 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 11.1% for RISN. 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 -21.9% for RISN. 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while RISN charges 0.72%. On a $10,000 position that is $3 vs $72 annually, a gap of $69 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 1.16% for RISN.
Holdings Overlap
IVV and RISN share 16 holdings out of 517 unique holdings combined, representing a 1.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or RISN?
IVV has an expense ratio of 0.03% while RISN charges 0.72%. IVV is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, IVV or RISN?
Over the past year IVV returned +21.54% vs +12.13% for RISN, so IVV leads on 1-year performance. Over the longest common window we track (6 years), IVV annualized +7.04% vs +6.61% for RISN. Past performance does not guarantee future results.
Which is riskier, IVV or RISN?
IVV has been the more volatile fund at 15.1% annualized versus 11.1% for RISN. Worst drawdown: IVV -56.5% vs RISN -21.9%.
Should I hold both IVV and RISN?
IVV and RISN have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and RISN?
IVV and RISN share 16 common holdings with a 1.5% weight overlap. Combined, they hold 517 unique securities.
Which pays a higher dividend, IVV or RISN?
IVV yields 1.10% while RISN yields 1.16%, so RISN currently pays the higher dividend yield.
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