IVV vs VCR
iShares Core S&P 500 ETF vs Vanguard Consumer Discretionary 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 | VCR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.09% | |
| AUM | $865.2B | $6.2B | |
| Dividend Yield | 1.09% | 0.82% | |
| Holdings | 508 | 290 | |
| YTD Return | +14.50% | +2.20% | |
| 1Y Return | +22.02% | +4.97% | |
| 3Y Return (annualized) | +21.80% | +12.48% | |
| 5Y Return (annualized) | +13.37% | +5.55% | |
| Volatility (annualized) | 15.1% | 19.6% | |
| Max Drawdown | -56.5% | -62.7% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jan 26, 2004 |
IVV vs VCR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Vanguard Consumer Discretionary ETF (VCR) is a ETF from Vanguard (US). Over the past year IVV returned +22.02% while VCR returned +4.97%. Year to date, IVV is up 14.50% versus a gain of 2.20% for VCR.
Over three years, IVV compounded at +21.80% per year against +12.48% for VCR; over five years the annualized figures are +13.37% and +5.55% respectively. Across the full 23-year window we track, VCR has the edge at +10.02% annualized vs +7.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VCR has been the more volatile fund, with annualized monthly volatility of 19.6% compared with 15.1% for IVV. 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 -62.7% for VCR. 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
IVV charges 0.03% per year while VCR charges 0.09%. On a $10,000 position that is $3 vs $9 annually, a gap of $6 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 0.82% for VCR.
Holdings Overlap
IVV and VCR share 46 holdings out of 745 unique holdings combined, representing a 9.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or VCR?
IVV has an expense ratio of 0.03% while VCR charges 0.09%. IVV is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, IVV or VCR?
Over the past year IVV returned +22.02% vs +4.97% for VCR, so IVV leads on 1-year performance. Over the longest common window we track (23 years), IVV annualized +7.07% vs +10.02% for VCR. Past performance does not guarantee future results.
Which is riskier, IVV or VCR?
VCR has been the more volatile fund at 19.6% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs VCR -62.7%.
Should I hold both IVV and VCR?
IVV and VCR have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between IVV and VCR?
IVV and VCR share 46 common holdings with a 9.1% weight overlap. Combined, they hold 745 unique securities.
Which pays a higher dividend, IVV or VCR?
IVV yields 1.09% while VCR yields 0.82%, so IVV currently pays the higher dividend yield.
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