IVV vs STIP
iShares Core S&P 500 ETF vs iShares 0-5 Year TIPS Bond ETF
Quick Verdict
IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | STIP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $865.2B | $15.9B | |
| Dividend Yield | 1.09% | 4.32% | |
| Holdings | 508 | 27 | |
| YTD Return | +14.50% | +1.20% | |
| 1Y Return | +22.02% | +2.16% | |
| 3Y Return (annualized) | +21.80% | +4.90% | |
| 5Y Return (annualized) | +13.37% | +3.00% | |
| Volatility (annualized) | 15.1% | 2.2% | |
| Max Drawdown | -56.5% | -6.9% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Dec 1, 2010 |
IVV vs STIP Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and iShares 0-5 Year TIPS Bond ETF (STIP) is a ETF from iShares by BlackRock (US). Over the past year IVV returned +22.02% while STIP returned +2.16%. Year to date, IVV is up 14.50% versus a gain of 1.20% for STIP.
Over three years, IVV compounded at +21.80% per year against +4.90% for STIP; over five years the annualized figures are +13.37% and +3.00% respectively. Across the full 16-year window we track, IVV has the edge at +7.07% annualized vs +1.51%. 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 2.2% for STIP. 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 -6.9% for STIP. 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while STIP charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, IVV currently yields 1.09% against 4.32% for STIP.
Holdings Overlap
IVV and STIP share 1 holdings out of 528 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in STIP | Difference |
|---|---|---|---|
| XTSLA | 0.15% | 0.19% | 0.04% |
Frequently Asked Questions
Which is cheaper, IVV or STIP?
IVV has an expense ratio of 0.03% while STIP charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, IVV or STIP?
Over the past year IVV returned +22.02% vs +2.16% for STIP, so IVV leads on 1-year performance. Over the longest common window we track (16 years), IVV annualized +7.07% vs +1.51% for STIP. Past performance does not guarantee future results.
Which is riskier, IVV or STIP?
IVV has been the more volatile fund at 15.1% annualized versus 2.2% for STIP. Worst drawdown: IVV -56.5% vs STIP -6.9%.
Should I hold both IVV and STIP?
IVV and STIP have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and STIP?
IVV and STIP share 1 common holdings with a 0.1% weight overlap. Combined, they hold 528 unique securities.
Which pays a higher dividend, IVV or STIP?
IVV yields 1.09% while STIP yields 4.32%, so STIP currently pays the higher dividend yield.
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