IVV vs UTHY
iShares Core S&P 500 ETF vs F/m US Treasury 30 Year Bond 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 | UTHY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.15% | |
| AUM | $865.2B | $178M | |
| Dividend Yield | 1.09% | 5.02% | |
| Holdings | 508 | 2 | |
| YTD Return | +13.43% | -2.93% | |
| 1Y Return | +22.61% | -1.48% | |
| 3Y Return (annualized) | +21.47% | -0.62% | |
| 5Y Return (annualized) | +13.26% | - | |
| Volatility (annualized) | 15.1% | 13.1% | |
| Max Drawdown | -56.5% | -21.9% | |
| Fund Family | iShares by BlackRock (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Mar 27, 2023 |
IVV vs UTHY Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and F/m US Treasury 30 Year Bond ETF (UTHY) is a ETF from US Benchmark Series. Over the past year IVV returned +22.61% while UTHY returned -1.48%. Year to date, IVV is up 13.43% versus a loss of 2.93% for UTHY.
Over three years, IVV compounded at +21.47% per year against -0.62% for UTHY. Across the full 3-year window we track, IVV has the edge at +7.03% annualized vs -2.89%. 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 13.1% for UTHY. 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 -21.9% for UTHY. 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 UTHY 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 5.02% for UTHY.
Frequently Asked Questions
Which is cheaper, IVV or UTHY?
IVV has an expense ratio of 0.03% while UTHY 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 UTHY?
Over the past year IVV returned +22.61% vs -1.48% for UTHY, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.03% vs -2.89% for UTHY. Past performance does not guarantee future results.
Which is riskier, IVV or UTHY?
IVV has been the more volatile fund at 15.1% annualized versus 13.1% for UTHY. Worst drawdown: IVV -56.5% vs UTHY -21.9%.
Should I hold both IVV and UTHY?
IVV and UTHY 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 UTHY?
IVV yields 1.09% while UTHY yields 5.02%, so UTHY currently pays the higher dividend yield.
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