ACLC vs IVV
ACLC vs IVV
American Century Large Cap Equity ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | ACLC | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $305M | $865.2B | |
| Dividend Yield | 0.54% | 1.09% | |
| Holdings | 100 | 508 | |
| YTD Return | +11.91% | +13.80% | |
| 1Y Return | +20.09% | +23.70% | |
| 3Y Return (annualized) | +17.02% | +21.49% | |
| 5Y Return (annualized) | +10.50% | +13.43% | |
| Volatility (annualized) | 16.1% | 15.1% | |
| Max Drawdown | -26.4% | -56.5% | |
| Fund Family | American Century Investments | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Jul 15, 2020 | May 15, 2000 |
ACLC vs IVV Performance
American Century Large Cap Equity ETF (ACLC) is a ETF from American Century Investments and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year ACLC returned +20.09% while IVV returned +23.70%. Year to date, ACLC is up 11.91% versus a gain of 13.80% for IVV.
Over three years, ACLC compounded at +17.02% per year against +21.49% for IVV; over five years the annualized figures are +10.50% and +13.43% respectively. Across the full 6-year window we track, ACLC has the edge at +14.55% annualized vs +7.05%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACLC has been the more volatile fund, with annualized monthly volatility of 16.1% 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 -26.4% for ACLC and -56.5% for IVV. 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ACLC charges 0.39% per year while IVV charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, ACLC currently yields 0.54% against 1.09% for IVV.
Holdings Overlap
ACLC and IVV share 91 holdings out of 514 unique holdings combined, representing a 53.3% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in ACLC | Weight in IVV | Difference |
|---|---|---|---|
| NVDA | 8.10% | 7.76% | 0.34% |
| AAPL | 4.75% | 7.44% | 2.69% |
| MSFT | 5.54% | 4.57% | 0.97% |
| GOOGL | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
See all 10 holdings ACLC shares with IVV Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, ACLC or IVV?
ACLC has an expense ratio of 0.39% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, ACLC or IVV?
Over the past year ACLC returned +20.09% vs +23.70% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (6 years), ACLC annualized +14.55% vs +7.05% for IVV. Past performance does not guarantee future results.
Which is riskier, ACLC or IVV?
ACLC has been the more volatile fund at 16.1% annualized versus 15.1% for IVV. Worst drawdown: ACLC -26.4% vs IVV -56.5%.
Should I hold both ACLC and IVV?
ACLC and IVV have a monthly-return correlation of 0.99, 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 ACLC and IVV?
ACLC and IVV share 91 common holdings with a 53.3% weight overlap. Combined, they hold 514 unique securities.
Which pays a higher dividend, ACLC or IVV?
ACLC yields 0.54% while IVV yields 1.09%, so IVV currently pays the higher dividend yield.
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