IVV vs UCBG
iShares Core S&P 500 ETF vs State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF
Which is better, IVV or UCBG?
Large Cap Blend against Equity-oriented Balanced.
IVV has a lower expense ratio. UCBG is less concentrated, with 35.2% of the fund in its ten largest positions against 38.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IVV | UCBG |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.06% |
| AUM | $896.5B | $2.5B |
| Dividend Yield | 1.10% | 0.09% |
| Holdings | 508 | 782 |
| YTD Return | +13.58%Best | +0.77% |
| 1Y Return | +13.23% | - |
| 3Y Return (annualized) | +24.40% | - |
| 5Y Return (annualized) | +12.44% | - |
| Top 10 Weight | 38.9% | 35.2%Best |
| Fund Family | iShares by BlackRock (US) | State Street Investment Management |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Blend | Equity-oriented Balanced |
| Inception | May 15, 2000 | Sep 1, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
IVV vs UCBG growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
IVV vs UCBG Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF (UCBG) is an ETF from State Street Investment Management. Year to date, IVV is up 13.58% versus a gain of 0.77% for UCBG.
Past performance does not guarantee future results.
Fees and Cost Over Time
IVV charges 0.03% per year while UCBG charges 0.06%. On a $10,000 position that is $3 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.09% for UCBG.
Holdings Overlap
99.0% of IVV's money is in holdings UCBG also owns. 89.3% of UCBG's money is in holdings IVV also owns.
Most of IVV is already inside UCBG. Owning both mostly buys the same companies twice.
498 positions in common, counted across the 506 positions we hold weights for in IVV and 782 in UCBG, against full books of 508 and 782.
What only one of them owns
Our book lists 278 positions for UCBG that do not appear in our book for IVV (8.1% of the fund), and 3 for IVV that do not appear in UCBG (0.5%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IVV | Weight in UCBG | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.44% | 7.67% | 0.77% |
| AAPLApple, Inc | 7.29% | 6.60% | 0.69% |
| MSFTMicrosoft Corp | 5.76% | 5.20% | 0.56% |
| AMZNAmazon.Com Inc | 3.68% | 3.34% | 0.34% |
| GOOGLAlphabet Inc | 3.00% | 2.73% | 0.27% |
| AVGOBroadcom Inc | 2.47% | 2.28% | 0.19% |
| GOOGAlphabet Inc. C | 2.41% | 2.19% | 0.22% |
| METAMeta Platforms Inc | 2.42% | 2.17% | 0.25% |
| MUMicron Technology, Inc. | 1.87% | 1.64% | 0.23% |
| AMDAdvanced Micro Devices Inc | 1.52% | 1.40% | 0.12% |
99.0% of IVV is already inside UCBG.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IVV or UCBG?
IVV has an expense ratio of 0.03% while UCBG charges 0.06%. IVV is the cheaper option, by $3 a year on a $10,000 investment.
What is the holdings overlap between IVV and UCBG?
99.0% of IVV's money is in holdings UCBG also owns. 89.3% of UCBG's is in holdings IVV also owns. They hold 498 positions in common, counted across the 506 positions we hold weights for in IVV and 782 in UCBG.
Which pays a higher dividend, IVV or UCBG?
IVV yields 1.10% while UCBG yields 0.09%, so IVV currently pays the higher dividend yield.
Is UCBG better than IVV?
IVV has a lower expense ratio. UCBG is less concentrated, with 35.2% of the fund in its ten largest positions against 38.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.