BINC vs IVV
BINC vs IVV
iShares Flexible Income Active 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 | BINC | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $16.1B | $865.2B | |
| Dividend Yield | 5.84% | 1.09% | |
| Holdings | 4,738 | 508 | |
| YTD Return | +1.09% | +9.93% | |
| 1Y Return | +4.44% | +19.59% | |
| 3Y Return (annualized) | +6.68% | +19.41% | |
| 5Y Return (annualized) | - | +12.89% | |
| Volatility (annualized) | 3.2% | 15.1% | |
| Max Drawdown | -2.7% | -56.5% | |
| Fund Family | BlackRock, Inc. (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 19, 2023 | May 15, 2000 |
BINC vs IVV Performance
iShares Flexible Income Active ETF (BINC) is a ETF from BlackRock, Inc. (US) and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year BINC returned +4.44% while IVV returned +19.59%. Year to date, BINC is up 1.09% versus a gain of 9.93% for IVV.
Over three years, BINC compounded at +6.68% per year against +19.41% for IVV. Across the full 3-year window we track, IVV has the edge at +6.91% annualized vs +6.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 3.2% for BINC. 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 -2.7% for BINC 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BINC charges 0.40% per year while IVV charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, BINC currently yields 5.84% against 1.09% for IVV.
Holdings Overlap
BINC and IVV share 0 holdings out of 861 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, BINC or IVV?
BINC has an expense ratio of 0.40% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, BINC or IVV?
Over the past year BINC returned +4.44% vs +19.59% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), BINC annualized +6.75% vs +6.91% for IVV. Past performance does not guarantee future results.
Which is riskier, BINC or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 3.2% for BINC. Worst drawdown: BINC -2.7% vs IVV -56.5%.
Should I hold both BINC and IVV?
BINC and IVV have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BINC and IVV?
BINC and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 861 unique securities.
Which pays a higher dividend, BINC or IVV?
BINC yields 5.84% while IVV yields 1.09%, so BINC currently pays the higher dividend yield.
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