IVV vs UDI
iShares Core S&P 500 ETF vs USCF Dividend Income Fund
Quick Verdict
IVV has a lower expense ratio. UDI delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | UDI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.65% | |
| AUM | $907.0B | $4M | |
| Dividend Yield | 1.10% | 2.56% | |
| Holdings | 508 | 43 | |
| YTD Return | +12.28% | +17.94% | |
| 1Y Return | +20.94% | +24.88% | |
| 3Y Return (annualized) | +21.81% | +18.57% | |
| 5Y Return (annualized) | +13.05% | - | |
| Volatility (annualized) | 15.1% | 13.3% | |
| Max Drawdown | -56.5% | -14.2% | |
| Fund Family | iShares by BlackRock (US) | USCF Investments | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jun 8, 2022 |
IVV vs UDI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and USCF Dividend Income Fund (UDI) is a ETF from USCF Investments. Over the past year IVV returned +20.94% while UDI returned +24.88%. Year to date, IVV is up 12.28% versus a gain of 17.94% for UDI.
Over three years, IVV compounded at +21.81% per year against +18.57% for UDI. Across the full 4-year window we track, UDI has the edge at +14.06% annualized vs +6.98%. 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 13.3% for UDI. 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 -14.2% for UDI. 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while UDI charges 0.65%. On a $10,000 position that is $3 vs $65 annually, a gap of $62 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 2.56% for UDI.
Holdings Overlap
IVV and UDI share 26 holdings out of 520 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or UDI?
IVV has an expense ratio of 0.03% while UDI charges 0.65%. IVV is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, IVV or UDI?
Over the past year IVV returned +20.94% vs +24.88% for UDI, so UDI leads on 1-year performance. Over the longest common window we track (4 years), IVV annualized +6.98% vs +14.06% for UDI. Past performance does not guarantee future results.
Which is riskier, IVV or UDI?
IVV has been the more volatile fund at 15.1% annualized versus 13.3% for UDI. Worst drawdown: IVV -56.5% vs UDI -14.2%.
Should I hold both IVV and UDI?
IVV and UDI have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and UDI?
IVV and UDI share 26 common holdings with a 1.8% weight overlap. Combined, they hold 520 unique securities.
Which pays a higher dividend, IVV or UDI?
IVV yields 1.10% while UDI yields 2.56%, so UDI currently pays the higher dividend yield.
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