IVV vs XJUL
iShares Core S&P 500 ETF vs FT Vest US Equity Enhance & Moderate Buffer ETF - July
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | XJUL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.85% | |
| AUM | $907.0B | $43M | |
| Dividend Yield | 1.10% | 0.00% | |
| Holdings | 508 | 6 | |
| YTD Return | +14.29% | +6.32% | |
| 1Y Return | +21.79% | +9.93% | |
| 3Y Return (annualized) | +22.19% | +10.85% | |
| 5Y Return (annualized) | +13.28% | - | |
| Volatility (annualized) | 15.1% | 4.8% | |
| Max Drawdown | -56.5% | -9.1% | |
| Fund Family | iShares by BlackRock (US) | First Trust Portfolios (US) | |
| Category | Equity | Alternative | |
| Inception | May 15, 2000 | Jul 21, 2023 |
IVV vs XJUL Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and FT Vest US Equity Enhance & Moderate Buffer ETF - July (XJUL) is a ETF from First Trust Portfolios (US). Over the past year IVV returned +21.79% while XJUL returned +9.93%. Year to date, IVV is up 14.29% versus a gain of 6.32% for XJUL.
Over three years, IVV compounded at +22.19% per year against +10.85% for XJUL. Across the full 3-year window we track, XJUL has the edge at +10.27% annualized vs +7.06%. 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 4.8% for XJUL. 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 -9.1% for XJUL. 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 0.92. 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 XJUL charges 0.85%. On a $10,000 position that is $3 vs $85 annually, a gap of $82 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 0.00% for XJUL.
Holdings Overlap
IVV and XJUL 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 XJUL?
IVV has an expense ratio of 0.03% while XJUL charges 0.85%. IVV is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, IVV or XJUL?
Over the past year IVV returned +21.79% vs +9.93% for XJUL, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.06% vs +10.27% for XJUL. Past performance does not guarantee future results.
Which is riskier, IVV or XJUL?
IVV has been the more volatile fund at 15.1% annualized versus 4.8% for XJUL. Worst drawdown: IVV -56.5% vs XJUL -9.1%.
Should I hold both IVV and XJUL?
IVV and XJUL have a monthly-return correlation of 0.92, 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 XJUL?
IVV and XJUL share 0 common holdings with a 0.0% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, IVV or XJUL?
IVV yields 1.10% while XJUL yields 0.00%, so IVV currently pays the higher dividend yield.
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