IVV vs IYC
IVV vs IYC
iShares Core S&P 500 ETF vs iShares U.S. Consumer Discretionary 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 | IVV | IYC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.38% | |
| AUM | $865.2B | $1.1B | |
| Dividend Yield | 1.09% | 0.51% | |
| Holdings | 508 | 162 | |
| YTD Return | +13.52% | +0.43% | |
| 1Y Return | +23.63% | +4.11% | |
| 3Y Return (annualized) | +21.26% | +13.08% | |
| 5Y Return (annualized) | +13.52% | +6.44% | |
| Volatility (annualized) | 15.1% | 17.5% | |
| Max Drawdown | -56.5% | -54.0% | |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jun 12, 2000 |
IVV vs IYC Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and iShares U.S. Consumer Discretionary ETF (IYC) is a ETF from iShares by BlackRock (US). Over the past year IVV returned +23.63% while IYC returned +4.11%. Year to date, IVV is up 13.52% versus a gain of 0.43% for IYC.
Over three years, IVV compounded at +21.26% per year against +13.08% for IYC; over five years the annualized figures are +13.52% and +6.44% respectively. Across the full 26-year window we track, IYC has the edge at +7.81% annualized vs +7.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IYC has been the more volatile fund, with annualized monthly volatility of 17.5% 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 -56.5% for IVV and -54.0% for IYC. 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
IVV charges 0.03% per year while IYC charges 0.38%. On a $10,000 position that is $3 vs $38 annually, a gap of $35 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 0.51% for IYC.
Holdings Overlap
IVV and IYC share 71 holdings out of 592 unique holdings combined, representing a 12.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in IYC | Difference |
|---|---|---|---|
| AMZN | 3.75% | 14.27% | 10.52% |
| TSLA | 1.65% | 8.70% | 7.05% |
| WMT | 0.75% | 4.14% | 3.39% |
| COST | Pro | Pro | Pro |
| HD | Pro | Pro | Pro |
| NFLX | Pro | Pro | Pro |
| MCD | Pro | Pro | Pro |
| DIS | Pro | Pro | Pro |
| TJX | Pro | Pro | Pro |
| UBER | Pro | Pro | Pro |
See all 10 holdings IVV shares with IYC 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, IVV or IYC?
IVV has an expense ratio of 0.03% while IYC charges 0.38%. IVV is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, IVV or IYC?
Over the past year IVV returned +23.63% vs +4.11% for IYC, so IVV leads on 1-year performance. Over the longest common window we track (26 years), IVV annualized +7.04% vs +7.81% for IYC. Past performance does not guarantee future results.
Which is riskier, IVV or IYC?
IYC has been the more volatile fund at 17.5% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs IYC -54.0%.
Should I hold both IVV and IYC?
IVV and IYC 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 IVV and IYC?
IVV and IYC share 71 common holdings with a 12.3% weight overlap. Combined, they hold 592 unique securities.
Which pays a higher dividend, IVV or IYC?
IVV yields 1.09% while IYC yields 0.51%, so IVV currently pays the higher dividend yield.
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