IVV vs SWTSX
IVV vs SWTSX
iShares Core S&P 500 ETF vs Schwab Total Stock Market Index Fund
Quick Verdict
IVV delivered stronger 1-year returns. SWTSX offers more diversification with 2963 holdings.
Side-by-Side Comparison
| Metric | IVV | SWTSX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $865.2B | $43.8B | |
| Dividend Yield | 1.09% | 0.99% | |
| Holdings | 508 | 2,987 | |
| YTD Return | +13.31% | +13.87% | |
| 1Y Return | +24.00% | -82.49% | |
| 3Y Return (annualized) | +21.16% | -37.47% | |
| 5Y Return (annualized) | +13.34% | -24.98% | |
| Volatility (annualized) | 15.1% | 41.7% | |
| Max Drawdown | -56.5% | -86.0% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jun 1, 1999 |
IVV vs SWTSX Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Schwab Total Stock Market Index Fund (SWTSX) is a mutual fund from Charles Schwab Asset Management. Over the past year IVV returned +24.00% while SWTSX returned -82.49%. Year to date, IVV is up 13.31% versus a gain of 13.87% for SWTSX.
Over three years, IVV compounded at +21.16% per year against -37.47% for SWTSX; over five years the annualized figures are +13.34% and -24.98% respectively. Across the full 5-year window we track, IVV has the edge at +7.03% annualized vs -24.98%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SWTSX has been the more volatile fund, with annualized monthly volatility of 41.7% 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 -86.0% for SWTSX. 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while SWTSX charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, IVV currently yields 1.09% against 0.99% for SWTSX.
Holdings Overlap
IVV and SWTSX share 481 holdings out of 2987 unique holdings combined, representing a 79.1% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in IVV | Weight in SWTSX | Difference |
|---|---|---|---|
| NVDA | 7.76% | 6.91% | 0.85% |
| AAPL | 7.44% | 5.70% | 1.74% |
| MSFT | 4.57% | 4.76% | 0.19% |
| AMZN | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| BRK.B | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
See all 10 holdings IVV shares with SWTSX 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 SWTSX?
IVV has an expense ratio of 0.03% while SWTSX charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, IVV or SWTSX?
Over the past year IVV returned +24.00% vs -82.49% for SWTSX, so IVV leads on 1-year performance. Over the longest common window we track (5 years), IVV annualized +7.03% vs -24.98% for SWTSX. Past performance does not guarantee future results.
Which is riskier, IVV or SWTSX?
SWTSX has been the more volatile fund at 41.7% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs SWTSX -86.0%.
Should I hold both IVV and SWTSX?
IVV and SWTSX have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SWTSX?
IVV and SWTSX share 481 common holdings with a 79.1% weight overlap. Combined, they hold 2987 unique securities.
Which pays a higher dividend, IVV or SWTSX?
IVV yields 1.09% while SWTSX yields 0.99%, so IVV currently pays the higher dividend yield.
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