IVV vs RULE
iShares Core S&P 500 ETF vs Adaptive Core ETF
Quick Verdict
IVV has a lower expense ratio. RULE delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | RULE | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.84% | |
| AUM | $886.7B | $17M | |
| Dividend Yield | 1.10% | 0.00% | |
| Holdings | 508 | 36 | |
| YTD Return | +12.92% | +28.03% | |
| 1Y Return | +21.22% | +34.32% | |
| 3Y Return (annualized) | +20.95% | +15.43% | |
| 5Y Return (annualized) | +12.76% | - | |
| Volatility (annualized) | 15.1% | 17.9% | |
| Max Drawdown | -56.5% | -30.5% | |
| Fund Family | iShares by BlackRock (US) | Mohr Funds | |
| Category | Equity | Allocation/Balanced | |
| Inception | May 15, 2000 | Nov 2, 2021 |
IVV vs RULE Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Adaptive Core ETF (RULE) is a ETF from Mohr Funds. Over the past year IVV returned +21.22% while RULE returned +34.32%. Year to date, IVV is up 12.92% versus a gain of 28.03% for RULE.
Over three years, IVV compounded at +20.95% per year against +15.43% for RULE. Across the full 5-year window we track, IVV has the edge at +7.00% annualized vs +4.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 17.9% compared with 15.1% 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 -56.5% for IVV and -30.5% for RULE. 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while RULE charges 1.84%. On a $10,000 position that is $3 vs $184 annually, a gap of $181 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.00% for RULE.
Holdings Overlap
IVV and RULE share 29 holdings out of 511 unique holdings combined, representing a 18.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or RULE?
IVV has an expense ratio of 0.03% while RULE charges 1.84%. IVV is the cheaper option. On a $10,000 investment, that is $181 per year of difference.
Which performed better, IVV or RULE?
Over the past year IVV returned +21.22% vs +34.32% for RULE, so RULE leads on 1-year performance. Over the longest common window we track (5 years), IVV annualized +7.00% vs +4.07% for RULE. Past performance does not guarantee future results.
Which is riskier, IVV or RULE?
RULE has been the more volatile fund at 17.9% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs RULE -30.5%.
Should I hold both IVV and RULE?
IVV and RULE have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and RULE?
IVV and RULE share 29 common holdings with a 18.2% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, IVV or RULE?
IVV yields 1.10% while RULE yields 0.00%, so IVV currently pays the higher dividend yield.
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