IVV vs SBI
IVV vs SBI
iShares Core S&P 500 ETF vs Western Asset Intermediate Muni Fund Inc
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 | SBI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.29% | |
| AUM | $865.2B | $117M | |
| Dividend Yield | 1.09% | 5.94% | |
| Holdings | 508 | 270 | |
| YTD Return | +13.80% | +3.31% | |
| 1Y Return | +23.70% | +7.39% | |
| 3Y Return (annualized) | +21.49% | +6.88% | |
| 5Y Return (annualized) | +13.43% | +0.15% | |
| Volatility (annualized) | 15.1% | 9.2% | |
| Max Drawdown | -56.5% | -46.0% | |
| Fund Family | iShares by BlackRock (US) | Franklin Templeton Investments (US) | |
| Category | Equity | Tax Preferred | |
| Inception | May 15, 2000 | Mar 2, 1992 |
IVV vs SBI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Western Asset Intermediate Muni Fund Inc (SBI) is a ETF from Franklin Templeton Investments (US). Over the past year IVV returned +23.70% while SBI returned +7.39%. Year to date, IVV is up 13.80% versus a gain of 3.31% for SBI.
Over three years, IVV compounded at +21.49% per year against +6.88% for SBI; over five years the annualized figures are +13.43% and +0.15% respectively. Across the full 26-year window we track, IVV has the edge at +7.05% annualized vs -0.16%. 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 9.2% for SBI. 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 -46.0% for SBI. 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while SBI charges 1.29%. On a $10,000 position that is $3 vs $129 annually, a gap of $126 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 5.94% for SBI.
Holdings Overlap
IVV and SBI share 0 holdings out of 653 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, IVV or SBI?
IVV has an expense ratio of 0.03% while SBI charges 1.29%. IVV is the cheaper option. On a $10,000 investment, that is $126 per year of difference.
Which performed better, IVV or SBI?
Over the past year IVV returned +23.70% vs +7.39% for SBI, so IVV leads on 1-year performance. Over the longest common window we track (26 years), IVV annualized +7.05% vs -0.16% for SBI. Past performance does not guarantee future results.
Which is riskier, IVV or SBI?
IVV has been the more volatile fund at 15.1% annualized versus 9.2% for SBI. Worst drawdown: IVV -56.5% vs SBI -46.0%.
Should I hold both IVV and SBI?
IVV and SBI have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SBI?
IVV and SBI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 653 unique securities.
Which pays a higher dividend, IVV or SBI?
IVV yields 1.09% while SBI yields 5.94%, so SBI currently pays the higher dividend yield.
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