IVV vs USIN
iShares Core S&P 500 ETF vs WisdomTree 7-10 Year Laddered Treasury Fund 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 | USIN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $865.2B | $4M | |
| Dividend Yield | 1.09% | 3.99% | |
| Holdings | 508 | 14 | |
| YTD Return | +13.72% | -1.06% | |
| 1Y Return | +21.64% | +1.27% | |
| 3Y Return (annualized) | +21.55% | - | |
| 5Y Return (annualized) | +13.27% | - | |
| Volatility (annualized) | 15.1% | 5.6% | |
| Max Drawdown | -56.5% | -6.2% | |
| Fund Family | iShares by BlackRock (US) | WisdomTree Investments | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Mar 14, 2024 |
IVV vs USIN Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and WisdomTree 7-10 Year Laddered Treasury Fund ETF (USIN) is a ETF from WisdomTree Investments. Over the past year IVV returned +21.64% while USIN returned +1.27%. Year to date, IVV is up 13.72% versus a loss of 1.06% for USIN.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 5.6% for USIN. 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 -6.2% for USIN. 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while USIN 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 1.09% against 3.99% for USIN.
Holdings Overlap
IVV and USIN share 0 holdings out of 506 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 USIN?
IVV has an expense ratio of 0.03% while USIN 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 USIN?
Over the past year IVV returned +21.64% vs +1.27% for USIN, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +7.04% vs +3.72% for USIN. Past performance does not guarantee future results.
Which is riskier, IVV or USIN?
IVV has been the more volatile fund at 15.1% annualized versus 5.6% for USIN. Worst drawdown: IVV -56.5% vs USIN -6.2%.
Should I hold both IVV and USIN?
IVV and USIN have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and USIN?
IVV and USIN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, IVV or USIN?
IVV yields 1.09% while USIN yields 3.99%, so USIN currently pays the higher dividend yield.
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