IVV vs RTAI
iShares Core S&P 500 ETF vs Rareview Tax Advantaged Income ETF
Which is better, IVV or RTAI?
IVV has been ahead.
IVV has a lower expense ratio. IVV led over 1Y, 3Y, 5Y and the full window. IVV is less concentrated, with 37.9% of the fund in its ten largest positions against 99.7%.
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 | RTAI |
|---|---|---|
| Expense Ratio | 0.03%Best | 4.59% |
| AUM | $876.4B | $18M |
| Dividend Yield | 1.06% | 4.98% |
| Holdings | 508 | 15 |
| YTD Return | +11.57%Best | -5.93% |
| 1Y Return | +17.57%Best | -4.19% |
| 3Y Return (annualized) | +20.71%Best | +5.35% |
| 5Y Return (annualized) | +12.80%Best | -3.07% |
| Volatility (annualized) | 15.4% | 13.7%Best |
| Max Drawdown | -24.5%Best | -34.3% |
| $10,000 over 5 years | $18,262Best | $8,556 |
| Top 10 Weight | 37.9%Best | 99.7% |
| Fund Family | iShares by BlackRock (US) | Rareview Capital |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | - |
| Inception | May 15, 2000 | Oct 21, 2020 |
Volatility and max drawdown are measured over the window both funds cover: Oct 21, 2020 to Sep 10, 2026 (5.9 years).
IVV vs RTAI 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 5.9 years both funds cover.
IVV vs RTAI Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and Rareview Tax Advantaged Income ETF (RTAI) is an ETF from Rareview Capital. Over the past year IVV returned +17.57% while RTAI returned -4.19%. Year to date, IVV is up 11.57% versus a loss of 5.93% for RTAI.
Over three years, IVV compounded at +20.71% per year against +5.35% for RTAI; over five years the annualized figures are +12.80% and -3.07% respectively. Across the full 6-year window we track, IVV has the edge at +15.96% annualized vs +0.03%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.4% 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 -24.5% for IVV and -34.3% for RTAI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.69. They move together some of the time, and apart the rest.
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 1.06% against 4.98% for RTAI.
Holdings Overlap
We hold position weights for 505 holdings in IVV and 10 in RTAI, totalling 100.0% and 99.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 505 positions we hold weights for in IVV and 10 in RTAI, against full books of 508 and 15.
What only one of them owns
Our book lists 10 positions for RTAI that do not appear in our book for IVV (99.7% of the fund), and 495 for IVV that do not appear in RTAI (99.3%).
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.
You are not choosing between two funds in isolation.
Whichever of IVV and RTAI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $456 a year on a $10,000 investment.
Which performed better, IVV or RTAI?
Over the past year IVV returned +17.57% vs -4.19% for RTAI, so IVV leads on 1-year performance. Over the longest common window we track (6 years), IVV annualized +15.96% vs +0.03% for RTAI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or RTAI?
IVV has been the more volatile fund at 15.4% annualized versus 13.7% for RTAI. Worst drawdown: IVV -24.5% vs RTAI -34.3%.
Should I hold both IVV and RTAI?
IVV and RTAI have a monthly-return correlation of 0.69, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IVV or RTAI?
IVV yields 1.06% while RTAI yields 4.98%, so RTAI currently pays the higher dividend yield.
Is RTAI better than IVV?
IVV has a lower expense ratio. IVV led over 1Y, 3Y, 5Y and the full window. IVV is less concentrated, with 37.9% of the fund in its ten largest positions against 99.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.