IVV vs RTAI
iShares Core S&P 500 ETF vs Rareview Tax Advantaged 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 | RTAI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 4.59% | |
| AUM | $865.2B | $18M | |
| Dividend Yield | 1.09% | 4.93% | |
| Holdings | 508 | 13 | |
| YTD Return | +13.80% | -1.17% | |
| 1Y Return | +23.01% | +4.80% | |
| 3Y Return (annualized) | +21.77% | +5.77% | |
| 5Y Return (annualized) | +13.39% | -2.10% | |
| Volatility (annualized) | 15.1% | 13.7% | |
| Max Drawdown | -56.5% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Rareview Capital | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Oct 21, 2020 |
IVV vs RTAI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Rareview Tax Advantaged Income ETF (RTAI) is a ETF from Rareview Capital. Over the past year IVV returned +23.01% while RTAI returned +4.80%. Year to date, IVV is up 13.80% versus a loss of 1.17% for RTAI.
Over three years, IVV compounded at +21.77% per year against +5.77% for RTAI; over five years the annualized figures are +13.39% and -2.10% respectively. Across the full 6-year window we track, IVV has the edge at +7.04% annualized vs +0.89%. 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 13.7% for RTAI. 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 -34.3% for RTAI. 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while RTAI charges 4.59%. On a $10,000 position that is $3 vs $459 annually, a gap of $456 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.93% for RTAI.
Holdings Overlap
IVV and RTAI share 0 holdings out of 515 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 RTAI?
IVV has an expense ratio of 0.03% while RTAI charges 4.59%. IVV is the cheaper option. On a $10,000 investment, that is $456 per year of difference.
Which performed better, IVV or RTAI?
Over the past year IVV returned +23.01% vs +4.80% for RTAI, so IVV leads on 1-year performance. Over the longest common window we track (6 years), IVV annualized +7.04% vs +0.89% for RTAI. Past performance does not guarantee future results.
Which is riskier, IVV or RTAI?
IVV has been the more volatile fund at 15.1% annualized versus 13.7% for RTAI. Worst drawdown: IVV -56.5% vs RTAI -34.3%.
Should I hold both IVV and RTAI?
IVV and RTAI have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and RTAI?
IVV and RTAI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 515 unique securities.
Which pays a higher dividend, IVV or RTAI?
IVV yields 1.09% while RTAI yields 4.93%, so RTAI currently pays the higher dividend yield.
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