IVV vs SDSI
IVV vs SDSI
iShares Core S&P 500 ETF vs American Century Short Duration Strategic Income 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 | SDSI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.32% | |
| AUM | $865.2B | $245M | |
| Dividend Yield | 1.09% | 4.78% | |
| Holdings | 508 | 400 | |
| YTD Return | +13.13% | +1.32% | |
| 1Y Return | +22.90% | +3.57% | |
| 3Y Return (annualized) | +21.08% | +5.58% | |
| 5Y Return (annualized) | +13.27% | - | |
| Volatility (annualized) | 15.1% | 2.0% | |
| Max Drawdown | -56.5% | -1.3% | |
| Fund Family | iShares by BlackRock (US) | American Century Investments | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Oct 11, 2022 |
IVV vs SDSI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and American Century Short Duration Strategic Income ETF (SDSI) is a ETF from American Century Investments. Over the past year IVV returned +22.90% while SDSI returned +3.57%. Year to date, IVV is up 13.13% versus a gain of 1.32% for SDSI.
Over three years, IVV compounded at +21.08% per year against +5.58% for SDSI. Across the full 4-year window we track, IVV has the edge at +7.02% annualized vs +5.54%. 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 2.0% for SDSI. 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 -1.3% for SDSI. 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while SDSI charges 0.32%. On a $10,000 position that is $3 vs $32 annually, a gap of $29 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.78% for SDSI.
Holdings Overlap
IVV and SDSI share 1 holdings out of 646 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in SDSI | Difference |
|---|---|---|---|
| C | 0.35% | 0.33% | 0.02% |
Frequently Asked Questions
Which is cheaper, IVV or SDSI?
IVV has an expense ratio of 0.03% while SDSI charges 0.32%. IVV is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, IVV or SDSI?
Over the past year IVV returned +22.90% vs +3.57% for SDSI, so IVV leads on 1-year performance. Over the longest common window we track (4 years), IVV annualized +7.02% vs +5.54% for SDSI. Past performance does not guarantee future results.
Which is riskier, IVV or SDSI?
IVV has been the more volatile fund at 15.1% annualized versus 2.0% for SDSI. Worst drawdown: IVV -56.5% vs SDSI -1.3%.
Should I hold both IVV and SDSI?
IVV and SDSI have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SDSI?
IVV and SDSI share 1 common holdings with a 0.3% weight overlap. Combined, they hold 646 unique securities.
Which pays a higher dividend, IVV or SDSI?
IVV yields 1.09% while SDSI yields 4.78%, so SDSI currently pays the higher dividend yield.
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