IVV vs UTEN
iShares Core S&P 500 ETF vs F/m US Treasury 10 Year Note 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 | UTEN | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $865.2B | $289M | |
| Dividend Yield | 1.09% | 4.39% | |
| Holdings | 508 | 2 | |
| YTD Return | +14.50% | -0.88% | |
| 1Y Return | +22.02% | +1.17% | |
| 3Y Return (annualized) | +21.80% | +2.91% | |
| 5Y Return (annualized) | +13.37% | - | |
| Volatility (annualized) | 15.1% | 7.7% | |
| Max Drawdown | -56.5% | -13.4% | |
| Fund Family | iShares by BlackRock (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Aug 8, 2022 |
IVV vs UTEN Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and F/m US Treasury 10 Year Note ETF (UTEN) is a ETF from US Benchmark Series. Over the past year IVV returned +22.02% while UTEN returned +1.17%. Year to date, IVV is up 14.50% versus a loss of 0.88% for UTEN.
Over three years, IVV compounded at +21.80% per year against +2.91% for UTEN. Across the full 4-year window we track, IVV has the edge at +7.07% annualized vs -0.03%. 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 7.7% for UTEN. 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 -13.4% for UTEN. 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while UTEN 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 4.39% for UTEN.
Frequently Asked Questions
Which is cheaper, IVV or UTEN?
IVV has an expense ratio of 0.03% while UTEN 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 UTEN?
Over the past year IVV returned +22.02% vs +1.17% for UTEN, so IVV leads on 1-year performance. Over the longest common window we track (4 years), IVV annualized +7.07% vs -0.03% for UTEN. Past performance does not guarantee future results.
Which is riskier, IVV or UTEN?
IVV has been the more volatile fund at 15.1% annualized versus 7.7% for UTEN. Worst drawdown: IVV -56.5% vs UTEN -13.4%.
Should I hold both IVV and UTEN?
IVV and UTEN have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IVV or UTEN?
IVV yields 1.09% while UTEN yields 4.39%, so UTEN currently pays the higher dividend yield.
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