ITDC vs IVV
ITDC vs IVV
iShares LifePath Target Date 2035 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 | ITDC | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $108M | $865.2B | |
| Dividend Yield | 1.87% | 1.09% | |
| Holdings | 15 | 508 | |
| YTD Return | +6.71% | +9.93% | |
| 1Y Return | +14.95% | +19.59% | |
| 3Y Return (annualized) | - | +19.41% | |
| 5Y Return (annualized) | - | +12.89% | |
| Volatility (annualized) | 9.0% | 15.1% | |
| Max Drawdown | -10.4% | -56.5% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | May 15, 2000 |
ITDC vs IVV Performance
iShares LifePath Target Date 2035 ETF (ITDC) 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 ITDC returned +14.95% while IVV returned +19.59%. Year to date, ITDC is up 6.71% versus a gain of 9.93% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 9.0% for ITDC. 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 -10.4% for ITDC 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ITDC charges 0.10% per year while IVV charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, ITDC currently yields 1.87% against 1.09% for IVV.
Holdings Overlap
ITDC and IVV share 1 holdings out of 518 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 ITDC | Weight in IVV | Difference |
|---|---|---|---|
| XTSLA | 0.23% | 0.15% | 0.08% |
Frequently Asked Questions
Which is cheaper, ITDC or IVV?
ITDC has an expense ratio of 0.10% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, ITDC or IVV?
Over the past year ITDC returned +14.95% vs +19.59% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), ITDC annualized +17.32% vs +6.91% for IVV. Past performance does not guarantee future results.
Which is riskier, ITDC or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 9.0% for ITDC. Worst drawdown: ITDC -10.4% vs IVV -56.5%.
Should I hold both ITDC and IVV?
ITDC and IVV have a monthly-return correlation of 0.91, 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 ITDC and IVV?
ITDC and IVV share 1 common holdings with a 0.1% weight overlap. Combined, they hold 518 unique securities.
Which pays a higher dividend, ITDC or IVV?
ITDC yields 1.87% while IVV yields 1.09%, so ITDC currently pays the higher dividend yield.
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