IVV vs ZTOP
iShares Core S&P 500 ETF vs F/m High Yield 100 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 | ZTOP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.39% | |
| AUM | $907.0B | $16M | |
| Dividend Yield | 1.10% | 6.30% | |
| Holdings | 508 | 102 | |
| YTD Return | +12.71% | +1.79% | |
| 1Y Return | +21.89% | +4.78% | |
| 3Y Return (annualized) | +22.08% | - | |
| 5Y Return (annualized) | +12.96% | - | |
| Volatility (annualized) | 15.1% | 2.8% | |
| Max Drawdown | -56.5% | -2.5% | |
| Fund Family | iShares by BlackRock (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Apr 14, 2025 |
IVV vs ZTOP Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and F/m High Yield 100 ETF (ZTOP) is a ETF from F-m investments. Over the past year IVV returned +21.89% while ZTOP returned +4.78%. Year to date, IVV is up 12.71% versus a gain of 1.79% for ZTOP.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 2.8% for ZTOP. 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 -2.5% for ZTOP. 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while ZTOP charges 0.39%. On a $10,000 position that is $3 vs $39 annually, a gap of $36 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 6.30% for ZTOP.
Holdings Overlap
IVV and ZTOP share 0 holdings out of 582 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 ZTOP?
IVV has an expense ratio of 0.03% while ZTOP charges 0.39%. IVV is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, IVV or ZTOP?
Over the past year IVV returned +21.89% vs +4.78% for ZTOP, so IVV leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +7.00% vs +7.81% for ZTOP. Past performance does not guarantee future results.
Which is riskier, IVV or ZTOP?
IVV has been the more volatile fund at 15.1% annualized versus 2.8% for ZTOP. Worst drawdown: IVV -56.5% vs ZTOP -2.5%.
Should I hold both IVV and ZTOP?
IVV and ZTOP have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and ZTOP?
IVV and ZTOP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 582 unique securities.
Which pays a higher dividend, IVV or ZTOP?
IVV yields 1.10% while ZTOP yields 6.30%, so ZTOP currently pays the higher dividend yield.
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