IVV vs XRLX
iShares Core S&P 500 ETF vs FundX Conservative 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 | XRLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.20% | |
| AUM | $907.0B | $50M | |
| Dividend Yield | 1.10% | 2.65% | |
| Holdings | 508 | 22 | |
| YTD Return | +12.71% | +6.41% | |
| 1Y Return | +21.89% | +11.53% | |
| 3Y Return (annualized) | +22.08% | - | |
| 5Y Return (annualized) | +12.96% | - | |
| Volatility (annualized) | 15.1% | 9.0% | |
| Max Drawdown | -56.5% | -15.3% | |
| Fund Family | iShares by BlackRock (US) | Fund X | |
| Category | Equity | Allocation/Balanced | |
| Inception | May 15, 2000 | Oct 10, 2023 |
IVV vs XRLX Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and FundX Conservative ETF (XRLX) is a ETF from Fund X. Over the past year IVV returned +21.89% while XRLX returned +11.53%. Year to date, IVV is up 12.71% versus a gain of 6.41% for XRLX.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 9.0% 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 -56.5% for IVV and -15.3% for XRLX. 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 0.96. 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 1.10% against 2.65% for XRLX.
Holdings Overlap
IVV and XRLX share 0 holdings out of 525 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 XRLX?
IVV has an expense ratio of 0.03% while XRLX charges 1.20%. IVV is the cheaper option. On a $10,000 investment, that is $117 per year of difference.
Which performed better, IVV or XRLX?
Over the past year IVV returned +21.89% vs +11.53% for XRLX, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.00% vs +13.78% for XRLX. Past performance does not guarantee future results.
Which is riskier, IVV or XRLX?
IVV has been the more volatile fund at 15.1% annualized versus 9.0% for XRLX. Worst drawdown: IVV -56.5% 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. 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 XRLX?
IVV and XRLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 525 unique securities.
Which pays a higher dividend, IVV or XRLX?
IVV yields 1.10% while XRLX yields 2.65%, so XRLX currently pays the higher dividend yield.
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