IVV vs XYZY
iShares Core S&P 500 ETF vs YieldMax XYZ Option Income Strategy 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 | XYZY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.44% | |
| AUM | $907.0B | $45M | |
| Dividend Yield | 1.10% | 78.81% | |
| Holdings | 508 | 14 | |
| YTD Return | +12.71% | +12.68% | |
| 1Y Return | +21.89% | -1.65% | |
| 3Y Return (annualized) | +22.08% | - | |
| 5Y Return (annualized) | +12.96% | - | |
| Volatility (annualized) | 15.1% | 41.8% | |
| Max Drawdown | -56.5% | -52.3% | |
| Fund Family | iShares by BlackRock (US) | YieldMax ETF | |
| Category | Equity | Alternative | |
| Inception | May 15, 2000 | Oct 10, 2023 |
IVV vs XYZY Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and YieldMax XYZ Option Income Strategy ETF (XYZY) is a ETF from YieldMax ETF. Over the past year IVV returned +21.89% while XYZY returned -1.65%. Year to date, IVV is up 12.71% versus a gain of 12.68% for XYZY.
Risk: Volatility and Drawdowns
XYZY has been the more volatile fund, with annualized monthly volatility of 41.8% 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 -52.3% for XYZY. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while XYZY charges 1.44%. On a $10,000 position that is $3 vs $144 annually, a gap of $141 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 78.81% for XYZY.
Holdings Overlap
IVV and XYZY share 0 holdings out of 508 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 XYZY?
IVV has an expense ratio of 0.03% while XYZY charges 1.44%. IVV is the cheaper option. On a $10,000 investment, that is $141 per year of difference.
Which performed better, IVV or XYZY?
Over the past year IVV returned +21.89% vs -1.65% for XYZY, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.00% vs +12.32% for XYZY. Past performance does not guarantee future results.
Which is riskier, IVV or XYZY?
XYZY has been the more volatile fund at 41.8% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs XYZY -52.3%.
Should I hold both IVV and XYZY?
IVV and XYZY have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and XYZY?
IVV and XYZY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, IVV or XYZY?
IVV yields 1.10% while XYZY yields 78.81%, so XYZY currently pays the higher dividend yield.
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