IVV vs SFYF
iShares Core S&P 500 ETF vs SoFi Social 50 ETF
Quick Verdict
IVV has a lower expense ratio. SFYF delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | SFYF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.29% | |
| AUM | $907.0B | $43M | |
| Dividend Yield | 1.10% | 0.38% | |
| Holdings | 508 | 52 | |
| YTD Return | +12.28% | +11.89% | |
| 1Y Return | +20.94% | +26.93% | |
| 3Y Return (annualized) | +21.81% | +32.80% | |
| 5Y Return (annualized) | +13.05% | +11.66% | |
| Volatility (annualized) | 15.1% | 29.5% | |
| Max Drawdown | -56.5% | -56.1% | |
| Fund Family | iShares by BlackRock (US) | SoFi | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | May 7, 2019 |
IVV vs SFYF Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and SoFi Social 50 ETF (SFYF) is a ETF from SoFi. Over the past year IVV returned +20.94% while SFYF returned +26.93%. Year to date, IVV is up 12.28% versus a gain of 11.89% for SFYF.
Over three years, IVV compounded at +21.81% per year against +32.80% for SFYF; over five years the annualized figures are +13.05% and +11.66% respectively. Across the full 7-year window we track, SFYF has the edge at +17.53% annualized vs +6.98%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.5% 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 -56.1% for SFYF. 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while SFYF charges 0.29%. On a $10,000 position that is $3 vs $29 annually, a gap of $26 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.38% for SFYF.
Holdings Overlap
IVV and SFYF share 34 holdings out of 522 unique holdings combined, representing a 41.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or SFYF?
IVV has an expense ratio of 0.03% while SFYF charges 0.29%. IVV is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, IVV or SFYF?
Over the past year IVV returned +20.94% vs +26.93% for SFYF, so SFYF leads on 1-year performance. Over the longest common window we track (7 years), IVV annualized +6.98% vs +17.53% for SFYF. Past performance does not guarantee future results.
Which is riskier, IVV or SFYF?
SFYF has been the more volatile fund at 29.5% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs SFYF -56.1%.
Should I hold both IVV and SFYF?
IVV and SFYF have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SFYF?
IVV and SFYF share 34 common holdings with a 41.6% weight overlap. Combined, they hold 522 unique securities.
Which pays a higher dividend, IVV or SFYF?
IVV yields 1.10% while SFYF yields 0.38%, so IVV currently pays the higher dividend yield.
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