IVV vs XRPI
iShares Core S&P 500 ETF vs Volatility XRP 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 | XRPI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.68% | |
| AUM | $907.0B | $82M | |
| Dividend Yield | 1.10% | 4.22% | |
| Holdings | 508 | 3 | |
| YTD Return | +12.71% | -33.80% | |
| 1Y Return | +21.89% | -57.12% | |
| 3Y Return (annualized) | +22.08% | - | |
| 5Y Return (annualized) | +12.96% | - | |
| Volatility (annualized) | 15.1% | 53.8% | |
| Max Drawdown | -56.5% | -75.6% | |
| Fund Family | iShares by BlackRock (US) | Volatility Shares, LLC | |
| Category | Equity | Alternative | |
| Inception | May 15, 2000 | May 22, 2025 |
IVV vs XRPI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Volatility XRP ETF (XRPI) is a ETF from Volatility Shares, LLC. Over the past year IVV returned +21.89% while XRPI returned -57.12%. Year to date, IVV is up 12.71% versus a loss of 33.80% for XRPI.
Risk: Volatility and Drawdowns
XRPI has been the more volatile fund, with annualized monthly volatility of 53.8% compared with 15.1% for IVV. 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 -75.6% for XRPI. 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 0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while XRPI charges 1.68%. On a $10,000 position that is $3 vs $168 annually, a gap of $165 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 4.22% for XRPI.
Frequently Asked Questions
Which is cheaper, IVV or XRPI?
IVV has an expense ratio of 0.03% while XRPI charges 1.68%. IVV is the cheaper option. On a $10,000 investment, that is $165 per year of difference.
Which performed better, IVV or XRPI?
Over the past year IVV returned +21.89% vs -57.12% for XRPI, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +7.00% vs -43.88% for XRPI. Past performance does not guarantee future results.
Which is riskier, IVV or XRPI?
XRPI has been the more volatile fund at 53.8% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs XRPI -75.6%.
Should I hold both IVV and XRPI?
IVV and XRPI have a monthly-return correlation of 0.30, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IVV or XRPI?
IVV yields 1.10% while XRPI yields 4.22%, so XRPI currently pays the higher dividend yield.
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