IVV vs XTL
iShares Core S&P 500 ETF vs State Street SPDR S&P Telecom ETF
Quick Verdict
IVV has a lower expense ratio. XTL delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | IVV | XTL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.35% | |
| AUM | $907.0B | $539M | |
| Dividend Yield | 1.10% | 1.27% | |
| Holdings | 508 | 42 | |
| YTD Return | +13.25% | +35.11% | |
| 1Y Return | +19.95% | +58.45% | |
| 3Y Return (annualized) | +21.26% | +42.28% | |
| 5Y Return (annualized) | +12.82% | +16.59% | |
| Volatility (annualized) | 15.1% | 20.4% | |
| Max Drawdown | -56.5% | -37.0% | |
| Fund Family | iShares by BlackRock (US) | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jan 26, 2011 |
IVV vs XTL Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and State Street SPDR S&P Telecom ETF (XTL) is a ETF from State Street Investment Management. Over the past year IVV returned +19.95% while XTL returned +58.45%. Year to date, IVV is up 13.25% versus a gain of 35.11% for XTL.
Over three years, IVV compounded at +21.26% per year against +42.28% for XTL; over five years the annualized figures are +12.82% and +16.59% respectively. Across the full 16-year window we track, XTL has the edge at +9.84% annualized vs +7.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XTL has been the more volatile fund, with annualized monthly volatility of 20.4% 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 -37.0% for XTL. 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while XTL 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 1.27% for XTL.
Holdings Overlap
IVV and XTL share 10 holdings out of 536 unique holdings combined, representing a 2.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IVV or XTL?
IVV has an expense ratio of 0.03% while XTL 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 XTL?
Over the past year IVV returned +19.95% vs +58.45% for XTL, so XTL leads on 1-year performance. Over the longest common window we track (16 years), IVV annualized +7.01% vs +9.84% for XTL. Past performance does not guarantee future results.
Which is riskier, IVV or XTL?
XTL has been the more volatile fund at 20.4% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs XTL -37.0%.
Should I hold both IVV and XTL?
IVV and XTL have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and XTL?
IVV and XTL share 10 common holdings with a 2.1% weight overlap. Combined, they hold 536 unique securities.
Which pays a higher dividend, IVV or XTL?
IVV yields 1.10% while XTL yields 1.27%, so XTL currently pays the higher dividend yield.
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