IVV vs XRLX
iShares Core S&P 500 ETF vs FundX Conservative ETF
Which is better, IVV or XRLX?
Large Cap Blend against Debt-oriented balanced.
IVV has a lower expense ratio. IVV led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.96. IVV is less concentrated, with 38.1% of the fund in its ten largest positions against 63.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IVV | XRLX |
|---|---|---|
| Expense Ratio | 0.03%Best | 1.20% |
| AUM | $882.6B | $47M |
| Dividend Yield | 1.06% | 2.61% |
| Holdings | 508 | 44 |
| YTD Return | +13.60%Best | +7.31% |
| 1Y Return | +16.32%Best | +8.98% |
| 3Y Return (annualized) | +23.81%Best | +13.53% |
| 5Y Return (annualized) | +14.03% | - |
| Volatility (annualized) | 12.2% | 8.8%Best |
| Max Drawdown | -18.8% | -15.3%Best |
| $10,000 over 3 years | $18,577Best | $14,633 |
| Top 10 Weight | 38.1%Best | 63.0% |
| Fund Family | iShares by BlackRock (US) | Fund X |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Blend | Debt-oriented balanced |
| Inception | May 15, 2000 | Oct 10, 2023 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Oct 9, 2023 to Oct 2, 2026 (3 years).
IVV vs XRLX growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3 years both funds cover.
IVV vs XRLX Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and FundX Conservative ETF (XRLX) is an ETF from Fund X. Over the past year IVV returned +16.32% while XRLX returned +8.98%. Year to date, IVV is up 13.60% versus a gain of 7.31% for XRLX.
Over three years, IVV compounded at +23.81% per year against +13.53% for XRLX.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 12.2% compared with 8.8% for XRLX. 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 -18.8% for IVV and -15.3% for XRLX. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.96. 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 XRLX charges 1.20%. On a $10,000 position that is $3 vs $120 annually, a gap of $117 per year that compounds over a long holding period. On income, IVV currently yields 1.06% against 2.61% for XRLX.
Holdings Overlap
We hold position weights for 505 holdings in IVV and 21 in XRLX, totalling 99.9% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 505 positions we hold weights for in IVV and 21 in XRLX, against full books of 508 and 44.
What only one of them owns
Our book lists 21 positions for XRLX that do not appear in our book for IVV (100.0% of the fund), and 497 for IVV that do not appear in XRLX (99.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IVV and XRLX you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IVV or XRLX?
IVV has an expense ratio of 0.03% while XRLX charges 1.20%. IVV is the cheaper option, by $117 a year on a $10,000 investment.
Which performed better, IVV or XRLX?
Over the past year IVV returned +16.32% vs +8.98% for XRLX, so IVV leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or XRLX?
IVV has been the more volatile fund at 12.2% annualized versus 8.8% for XRLX. Worst drawdown: IVV -18.8% vs XRLX -15.3%.
Should I hold both IVV and XRLX?
IVV and XRLX have a monthly-return correlation of 0.96, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, IVV or XRLX?
IVV yields 1.06% while XRLX yields 2.61%, so XRLX currently pays the higher dividend yield.
Is XRLX better than IVV?
IVV has a lower expense ratio. IVV led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.96. IVV is less concentrated, with 38.1% of the fund in its ten largest positions against 63.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.