IVV vs THTA
iShares Core S&P 500 ETF vs SoFi Enhanced Yield ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | THTA | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.61% | |
| AUM | $865.2B | $54M | |
| Dividend Yield | 1.09% | 11.12% | |
| Holdings | 508 | 10 | |
| YTD Return | +13.43% | +9.65% | |
| 1Y Return | +22.61% | +16.12% | |
| 3Y Return (annualized) | +21.47% | - | |
| 5Y Return (annualized) | +13.26% | - | |
| Volatility (annualized) | 15.1% | 13.4% | |
| Max Drawdown | -56.5% | -31.4% | |
| Fund Family | iShares by BlackRock (US) | SoFi | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Nov 15, 2023 |
IVV vs THTA Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and SoFi Enhanced Yield ETF (THTA) is a ETF from SoFi. Over the past year IVV returned +22.61% while THTA returned +16.12%. Year to date, IVV is up 13.43% versus a gain of 9.65% for THTA.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 13.4% for THTA. 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 -31.4% for THTA. 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 0.17. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while THTA charges 0.61%. On a $10,000 position that is $3 vs $61 annually, a gap of $58 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 11.12% for THTA.
Holdings Overlap
IVV and THTA share 0 holdings out of 510 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or THTA?
IVV has an expense ratio of 0.03% while THTA charges 0.61%. IVV is the cheaper option. On a $10,000 investment, that is $58 per year of difference.
Which performed better, IVV or THTA?
Over the past year IVV returned +22.61% vs +16.12% for THTA, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.03% vs +2.02% for THTA. Past performance does not guarantee future results.
Which is riskier, IVV or THTA?
IVV has been the more volatile fund at 15.1% annualized versus 13.4% for THTA. Worst drawdown: IVV -56.5% vs THTA -31.4%.
Should I hold both IVV and THTA?
IVV and THTA have a monthly-return correlation of 0.17, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and THTA?
IVV and THTA share 0 common holdings with a 0.0% weight overlap. Combined, they hold 510 unique securities.
Which pays a higher dividend, IVV or THTA?
IVV yields 1.09% while THTA yields 11.12%, so THTA currently pays the higher dividend yield.
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