IVV vs UFIV
iShares Core S&P 500 ETF vs F/m US Treasury 5 Year Note 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 | UFIV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $907.0B | $31M | |
| Dividend Yield | 1.10% | 3.93% | |
| Holdings | 508 | 2 | |
| YTD Return | +12.71% | -0.60% | |
| 1Y Return | +21.89% | +1.22% | |
| 3Y Return (annualized) | +22.08% | +4.15% | |
| 5Y Return (annualized) | +12.96% | - | |
| Volatility (annualized) | 15.1% | 4.1% | |
| Max Drawdown | -56.5% | -5.6% | |
| Fund Family | iShares by BlackRock (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Mar 28, 2023 |
IVV vs UFIV Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and F/m US Treasury 5 Year Note ETF (UFIV) is a ETF from US Benchmark Series. Over the past year IVV returned +21.89% while UFIV returned +1.22%. Year to date, IVV is up 12.71% versus a loss of 0.60% for UFIV.
Over three years, IVV compounded at +22.08% per year against +4.15% for UFIV. Across the full 3-year window we track, IVV has the edge at +7.00% annualized vs +2.87%. 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 4.1% for UFIV. 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 -5.6% for UFIV. 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while UFIV charges 0.15%. On a $10,000 position that is $3 vs $15 annually, a gap of $12 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 3.93% for UFIV.
Frequently Asked Questions
Which is cheaper, IVV or UFIV?
IVV has an expense ratio of 0.03% while UFIV charges 0.15%. IVV is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, IVV or UFIV?
Over the past year IVV returned +21.89% vs +1.22% for UFIV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.00% vs +2.87% for UFIV. Past performance does not guarantee future results.
Which is riskier, IVV or UFIV?
IVV has been the more volatile fund at 15.1% annualized versus 4.1% for UFIV. Worst drawdown: IVV -56.5% vs UFIV -5.6%.
Should I hold both IVV and UFIV?
IVV and UFIV have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IVV or UFIV?
IVV yields 1.10% while UFIV yields 3.93%, so UFIV currently pays the higher dividend yield.
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