IVV vs XLRI
iShares Core S&P 500 ETF vs State Street Real Estate Select Sector SPDR Premium Income ETF
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 | XLRI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.35% | |
| AUM | $907.0B | $3M | |
| Dividend Yield | 1.10% | 13.57% | |
| Holdings | 508 | 3 | |
| YTD Return | +12.71% | +8.47% | |
| 1Y Return | +21.89% | +9.87% | |
| 3Y Return (annualized) | +22.08% | - | |
| 5Y Return (annualized) | +12.96% | - | |
| Volatility (annualized) | 15.1% | 9.1% | |
| Max Drawdown | -56.5% | -7.1% | |
| Fund Family | iShares by BlackRock (US) | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jul 29, 2025 |
IVV vs XLRI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI) is a ETF from State Street Investment Management. Over the past year IVV returned +21.89% while XLRI returned +9.87%. Year to date, IVV is up 12.71% versus a gain of 8.47% for XLRI.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 9.1% for XLRI. 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 -7.1% for XLRI. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while XLRI charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 13.57% for XLRI.
Holdings Overlap
IVV and XLRI 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 XLRI?
IVV has an expense ratio of 0.03% while XLRI charges 0.35%. IVV is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, IVV or XLRI?
Over the past year IVV returned +21.89% vs +9.87% for XLRI, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +7.00% vs +8.27% for XLRI. Past performance does not guarantee future results.
Which is riskier, IVV or XLRI?
IVV has been the more volatile fund at 15.1% annualized versus 9.1% for XLRI. Worst drawdown: IVV -56.5% vs XLRI -7.1%.
Should I hold both IVV and XLRI?
IVV and XLRI have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and XLRI?
IVV and XLRI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 506 unique securities.
Which pays a higher dividend, IVV or XLRI?
IVV yields 1.10% while XLRI yields 13.57%, so XLRI currently pays the higher dividend yield.
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