IVV vs SCHR
IVV vs SCHR
iShares Core S&P 500 ETF vs Schwab Intermediate-Term US Treasury ETF
Quick Verdict
IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | SCHR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $865.2B | $13.3B | |
| Dividend Yield | 1.09% | 3.90% | |
| Holdings | 508 | 101 | |
| YTD Return | +13.80% | -0.64% | |
| 1Y Return | +23.70% | +1.29% | |
| 3Y Return (annualized) | +21.49% | +3.58% | |
| 5Y Return (annualized) | +13.43% | -0.12% | |
| Volatility (annualized) | 15.1% | 4.2% | |
| Max Drawdown | -56.5% | -16.6% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Aug 5, 2010 |
IVV vs SCHR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Schwab Intermediate-Term US Treasury ETF (SCHR) is a ETF from Charles Schwab Asset Management. Over the past year IVV returned +23.70% while SCHR returned +1.29%. Year to date, IVV is up 13.80% versus a loss of 0.64% for SCHR.
Over three years, IVV compounded at +21.49% per year against +3.58% for SCHR; over five years the annualized figures are +13.43% and -0.12% respectively. Across the full 16-year window we track, IVV has the edge at +7.05% annualized vs +0.83%. 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 4.2% for SCHR. 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 -16.6% for SCHR. 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 0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while SCHR charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, IVV currently yields 1.09% against 3.90% for SCHR.
Frequently Asked Questions
Which is cheaper, IVV or SCHR?
IVV has an expense ratio of 0.03% while SCHR charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, IVV or SCHR?
Over the past year IVV returned +23.70% vs +1.29% for SCHR, so IVV leads on 1-year performance. Over the longest common window we track (16 years), IVV annualized +7.05% vs +0.83% for SCHR. Past performance does not guarantee future results.
Which is riskier, IVV or SCHR?
IVV has been the more volatile fund at 15.1% annualized versus 4.2% for SCHR. Worst drawdown: IVV -56.5% vs SCHR -16.6%.
Should I hold both IVV and SCHR?
IVV and SCHR have a monthly-return correlation of 0.03, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IVV or SCHR?
IVV yields 1.09% while SCHR yields 3.90%, so SCHR currently pays the higher dividend yield.
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