IVV vs XT
iShares Core S&P 500 ETF vs iShares Future Exponential Technologies ETF
Quick Verdict
IVV has a lower expense ratio. XT delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | XT | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.46% | |
| AUM | $865.2B | $3.8B | |
| Dividend Yield | 1.09% | 6.88% | |
| Holdings | 508 | 226 | |
| YTD Return | +13.80% | +18.51% | |
| 1Y Return | +23.70% | +36.28% | |
| 3Y Return (annualized) | +21.49% | +17.74% | |
| 5Y Return (annualized) | +13.43% | +7.10% | |
| Volatility (annualized) | 15.1% | 17.4% | |
| Max Drawdown | -56.5% | -34.4% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Mar 19, 2015 |
IVV vs XT Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and iShares Future Exponential Technologies ETF (XT) is a ETF from iShares by BlackRock (US). Over the past year IVV returned +23.70% while XT returned +36.28%. Year to date, IVV is up 13.80% versus a gain of 18.51% for XT.
Over three years, IVV compounded at +21.49% per year against +17.74% for XT; over five years the annualized figures are +13.43% and +7.10% respectively. Across the full 11-year window we track, XT has the edge at +11.86% annualized vs +7.05%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XT has been the more volatile fund, with annualized monthly volatility of 17.4% 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 -34.4% for XT. 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 XT charges 0.46%. On a $10,000 position that is $3 vs $46 annually, a gap of $43 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 6.88% for XT.
Holdings Overlap
IVV and XT share 69 holdings out of 632 unique holdings combined, representing a 31.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or XT?
IVV has an expense ratio of 0.03% while XT charges 0.46%. IVV is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, IVV or XT?
Over the past year IVV returned +23.70% vs +36.28% for XT, so XT leads on 1-year performance. Over the longest common window we track (11 years), IVV annualized +7.05% vs +11.86% for XT. Past performance does not guarantee future results.
Which is riskier, IVV or XT?
XT has been the more volatile fund at 17.4% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs XT -34.4%.
Should I hold both IVV and XT?
IVV and XT 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 XT?
IVV and XT share 69 common holdings with a 31.1% weight overlap. Combined, they hold 632 unique securities.
Which pays a higher dividend, IVV or XT?
IVV yields 1.09% while XT yields 6.88%, so XT currently pays the higher dividend yield.
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