IBHI vs IVV
IBHI vs IVV
iShares iBonds 2029 Term High Yield and Income 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 | IBHI | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $495M | $865.2B | |
| Dividend Yield | 6.70% | 1.09% | |
| Holdings | 381 | 508 | |
| YTD Return | -1.36% | +9.93% | |
| 1Y Return | +1.40% | +19.59% | |
| 3Y Return (annualized) | +7.06% | +19.41% | |
| 5Y Return (annualized) | - | +12.89% | |
| Volatility (annualized) | 8.8% | 15.1% | |
| Max Drawdown | -13.7% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 8, 2022 | May 15, 2000 |
IBHI vs IVV Performance
iShares iBonds 2029 Term High Yield and Income ETF (IBHI) is a ETF from iShares by BlackRock (US) and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year IBHI returned +1.40% while IVV returned +19.59%. Year to date, IBHI is down 1.36% versus a gain of 9.93% for IVV.
Over three years, IBHI compounded at +7.06% per year against +19.41% for IVV. Across the full 4-year window we track, IVV has the edge at +6.91% annualized vs +4.18%. 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 8.8% for IBHI. 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 -13.7% for IBHI 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IBHI charges 0.35% per year while IVV charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, IBHI currently yields 6.70% against 1.09% for IVV.
Holdings Overlap
IBHI and IVV share 1 holdings out of 880 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IBHI | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 2.67% | 0.15% | 2.52% |
Frequently Asked Questions
Which is cheaper, IBHI or IVV?
IBHI has an expense ratio of 0.35% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, IBHI or IVV?
Over the past year IBHI returned +1.40% vs +19.59% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (4 years), IBHI annualized +4.18% vs +6.91% for IVV. Past performance does not guarantee future results.
Which is riskier, IBHI or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 8.8% for IBHI. Worst drawdown: IBHI -13.7% vs IVV -56.5%.
Should I hold both IBHI and IVV?
IBHI and IVV have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBHI and IVV?
IBHI and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 880 unique securities.
Which pays a higher dividend, IBHI or IVV?
IBHI yields 6.70% while IVV yields 1.09%, so IBHI currently pays the higher dividend yield.
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