IVV vs SPCT
iShares Core S&P 500 ETF vs Liberty One Spectrum 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 | SPCT | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.85% | |
| AUM | $886.7B | $69M | |
| Dividend Yield | 1.10% | 0.77% | |
| Holdings | 508 | 52 | |
| YTD Return | +12.13% | +8.72% | |
| 1Y Return | +20.37% | +10.58% | |
| 3Y Return (annualized) | +20.91% | - | |
| 5Y Return (annualized) | +12.59% | - | |
| Volatility (annualized) | 15.1% | 11.3% | |
| Max Drawdown | -56.5% | -7.2% | |
| Fund Family | iShares by BlackRock (US) | Liberty One Investment Management, LLC | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Sep 30, 2025 |
IVV vs SPCT Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Liberty One Spectrum ETF (SPCT) is a ETF from Liberty One Investment Management, LLC. Over the past year IVV returned +20.37% while SPCT returned +10.58%. Year to date, IVV is up 12.13% versus a gain of 8.72% for SPCT.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 11.3% for SPCT. 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 -7.2% for SPCT. 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while SPCT charges 0.85%. On a $10,000 position that is $3 vs $85 annually, a gap of $82 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.77% for SPCT.
Holdings Overlap
IVV and SPCT share 45 holdings out of 511 unique holdings combined, representing a 27.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or SPCT?
IVV has an expense ratio of 0.03% while SPCT charges 0.85%. IVV is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, IVV or SPCT?
Over the past year IVV returned +20.37% vs +10.58% for SPCT, so IVV leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, IVV or SPCT?
IVV has been the more volatile fund at 15.1% annualized versus 11.3% for SPCT. Worst drawdown: IVV -56.5% vs SPCT -7.2%.
Should I hold both IVV and SPCT?
IVV and SPCT have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SPCT?
IVV and SPCT share 45 common holdings with a 27.5% weight overlap. Combined, they hold 511 unique securities.
Which pays a higher dividend, IVV or SPCT?
IVV yields 1.10% while SPCT yields 0.77%, so IVV currently pays the higher dividend yield.
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