IVV vs SEPW
iShares Core S&P 500 ETF vs AllianzIM US Equity Buffer20 Sep ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | SEPW | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.74% | |
| AUM | $907.0B | $101M | |
| Dividend Yield | 1.10% | 0.00% | |
| Holdings | 508 | 5 | |
| YTD Return | +14.29% | +5.91% | |
| 1Y Return | +21.79% | +9.69% | |
| 3Y Return (annualized) | +22.19% | +10.63% | |
| 5Y Return (annualized) | +13.28% | - | |
| Volatility (annualized) | 15.1% | 5.1% | |
| Max Drawdown | -56.5% | -8.4% | |
| Fund Family | iShares by BlackRock (US) | AllianzIM | |
| Category | Equity | Alternative | |
| Inception | May 15, 2000 | Sep 1, 2023 |
IVV vs SEPW Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and AllianzIM US Equity Buffer20 Sep ETF (SEPW) is a ETF from AllianzIM. Over the past year IVV returned +21.79% while SEPW returned +9.69%. Year to date, IVV is up 14.29% versus a gain of 5.91% for SEPW.
Over three years, IVV compounded at +22.19% per year against +10.63% for SEPW. Across the full 3-year window we track, SEPW has the edge at +10.63% annualized vs +7.06%. 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 5.1% for SEPW. 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 -8.4% for SEPW. 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
IVV charges 0.03% per year while SEPW charges 0.74%. On a $10,000 position that is $3 vs $74 annually, a gap of $71 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.00% for SEPW.
Frequently Asked Questions
Which is cheaper, IVV or SEPW?
IVV has an expense ratio of 0.03% while SEPW charges 0.74%. IVV is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, IVV or SEPW?
Over the past year IVV returned +21.79% vs +9.69% for SEPW, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.06% vs +10.63% for SEPW. Past performance does not guarantee future results.
Which is riskier, IVV or SEPW?
IVV has been the more volatile fund at 15.1% annualized versus 5.1% for SEPW. Worst drawdown: IVV -56.5% vs SEPW -8.4%.
Should I hold both IVV and SEPW?
IVV and SEPW have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, IVV or SEPW?
IVV yields 1.10% while SEPW yields 0.00%, so IVV currently pays the higher dividend yield.
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