IVV vs RMIF
iShares Core S&P 500 ETF vs LHA Risk-Managed 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 | RMIF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.55% | |
| AUM | $865.2B | $6M | |
| Dividend Yield | 1.09% | 5.68% | |
| Holdings | 508 | 7 | |
| YTD Return | +13.80% | -2.80% | |
| 1Y Return | +23.01% | -1.16% | |
| 3Y Return (annualized) | +21.77% | +3.47% | |
| 5Y Return (annualized) | +13.39% | - | |
| Volatility (annualized) | 15.1% | 2.4% | |
| Max Drawdown | -56.5% | -3.7% | |
| Fund Family | iShares by BlackRock (US) | Little Harbor Advisors | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Jun 9, 2023 |
IVV vs RMIF Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and LHA Risk-Managed Income ETF (RMIF) is a ETF from Little Harbor Advisors. Over the past year IVV returned +23.01% while RMIF returned -1.16%. Year to date, IVV is up 13.80% versus a loss of 2.80% for RMIF.
Over three years, IVV compounded at +21.77% per year against +3.47% for RMIF. Across the full 3-year window we track, IVV has the edge at +7.04% annualized vs +3.71%. 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 2.4% for RMIF. 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 -3.7% for RMIF. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while RMIF charges 1.55%. On a $10,000 position that is $3 vs $155 annually, a gap of $152 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 5.68% for RMIF.
Holdings Overlap
IVV and RMIF share 0 holdings out of 511 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 RMIF?
IVV has an expense ratio of 0.03% while RMIF charges 1.55%. IVV is the cheaper option. On a $10,000 investment, that is $152 per year of difference.
Which performed better, IVV or RMIF?
Over the past year IVV returned +23.01% vs -1.16% for RMIF, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.04% vs +3.71% for RMIF. Past performance does not guarantee future results.
Which is riskier, IVV or RMIF?
IVV has been the more volatile fund at 15.1% annualized versus 2.4% for RMIF. Worst drawdown: IVV -56.5% vs RMIF -3.7%.
Should I hold both IVV and RMIF?
IVV and RMIF have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and RMIF?
IVV and RMIF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, IVV or RMIF?
IVV yields 1.09% while RMIF yields 5.68%, so RMIF currently pays the higher dividend yield.
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