IVV vs SCCR
iShares Core S&P 500 ETF vs Schwab Core Bond ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. SCCR offers more diversification with 550 holdings.
Side-by-Side Comparison
| Metric | IVV | SCCR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.16% | |
| AUM | $907.0B | $1.7B | |
| Dividend Yield | 1.10% | 4.72% | |
| Holdings | 508 | 550 | |
| YTD Return | +14.29% | -0.49% | |
| 1Y Return | +21.79% | +2.20% | |
| 3Y Return (annualized) | +22.19% | - | |
| 5Y Return (annualized) | +13.28% | - | |
| Volatility (annualized) | 15.1% | 3.1% | |
| Max Drawdown | -56.5% | -2.8% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Feb 5, 2025 |
IVV vs SCCR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Schwab Core Bond ETF (SCCR) is a ETF from Charles Schwab Asset Management. Over the past year IVV returned +21.79% while SCCR returned +2.20%. Year to date, IVV is up 14.29% versus a loss of 0.49% for SCCR.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 3.1% for SCCR. 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 -2.8% for SCCR. 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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while SCCR charges 0.16%. On a $10,000 position that is $3 vs $16 annually, a gap of $13 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 4.72% for SCCR.
Holdings Overlap
IVV and SCCR 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 SCCR?
IVV has an expense ratio of 0.03% while SCCR charges 0.16%. IVV is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, IVV or SCCR?
Over the past year IVV returned +21.79% vs +2.20% for SCCR, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.06% vs +3.92% for SCCR. Past performance does not guarantee future results.
Which is riskier, IVV or SCCR?
IVV has been the more volatile fund at 15.1% annualized versus 3.1% for SCCR. Worst drawdown: IVV -56.5% vs SCCR -2.8%.
Should I hold both IVV and SCCR?
IVV and SCCR have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SCCR?
IVV and SCCR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, IVV or SCCR?
IVV yields 1.10% while SCCR yields 4.72%, so SCCR currently pays the higher dividend yield.
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