IVV vs VIPIX
iShares Core S&P 500 ETF vs Vanguard Inflation Protected Securities Fund Insti Shs
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 | VIPIX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.07% | |
| AUM | $865.2B | $12.5B | |
| Dividend Yield | 1.09% | 3.54% | |
| Holdings | 508 | 63 | |
| YTD Return | +14.50% | -1.07% | |
| 1Y Return | +22.02% | -3.04% | |
| 3Y Return (annualized) | +21.80% | -0.43% | |
| 5Y Return (annualized) | +13.37% | -4.84% | |
| Volatility (annualized) | 15.1% | 6.7% | |
| Max Drawdown | -56.5% | -24.5% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Dec 12, 2003 |
IVV vs VIPIX Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Vanguard Inflation Protected Securities Fund Insti Shs (VIPIX) is a mutual fund from Vanguard (US). Over the past year IVV returned +22.02% while VIPIX returned -3.04%. Year to date, IVV is up 14.50% versus a loss of 1.07% for VIPIX.
Over three years, IVV compounded at +21.80% per year against -0.43% for VIPIX; over five years the annualized figures are +13.37% and -4.84% respectively. Across the full 5-year window we track, IVV has the edge at +7.07% annualized vs -4.84%. 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 6.7% for VIPIX. 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 -24.5% for VIPIX. 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while VIPIX charges 0.07%. On a $10,000 position that is $3 vs $7 annually, a gap of $4 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 3.54% for VIPIX.
Holdings Overlap
IVV and VIPIX share 0 holdings out of 560 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 VIPIX?
IVV has an expense ratio of 0.03% while VIPIX charges 0.07%. IVV is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, IVV or VIPIX?
Over the past year IVV returned +22.02% vs -3.04% for VIPIX, so IVV leads on 1-year performance. Over the longest common window we track (5 years), IVV annualized +7.07% vs -4.84% for VIPIX. Past performance does not guarantee future results.
Which is riskier, IVV or VIPIX?
IVV has been the more volatile fund at 15.1% annualized versus 6.7% for VIPIX. Worst drawdown: IVV -56.5% vs VIPIX -24.5%.
Should I hold both IVV and VIPIX?
IVV and VIPIX have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and VIPIX?
IVV and VIPIX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 560 unique securities.
Which pays a higher dividend, IVV or VIPIX?
IVV yields 1.09% while VIPIX yields 3.54%, so VIPIX currently pays the higher dividend yield.
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