IVV vs TOTR
IVV vs TOTR
iShares Core S&P 500 ETF vs T. Rowe Price Total Return ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. TOTR offers more diversification with 579 holdings.
Side-by-Side Comparison
| Metric | IVV | TOTR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.31% | |
| AUM | $865.2B | $574M | |
| Dividend Yield | 1.09% | 5.31% | |
| Holdings | 508 | 1,222 | |
| YTD Return | +13.80% | +0.11% | |
| 1Y Return | +23.70% | +2.69% | |
| 3Y Return (annualized) | +21.49% | +4.48% | |
| 5Y Return (annualized) | +13.43% | - | |
| Volatility (annualized) | 15.1% | 6.6% | |
| Max Drawdown | -56.5% | -19.6% | |
| Fund Family | iShares by BlackRock (US) | T.Rowe Price | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Sep 28, 2021 |
IVV vs TOTR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and T. Rowe Price Total Return ETF (TOTR) is a ETF from T.Rowe Price. Over the past year IVV returned +23.70% while TOTR returned +2.69%. Year to date, IVV is up 13.80% versus a gain of 0.11% for TOTR.
Over three years, IVV compounded at +21.49% per year against +4.48% for TOTR. Across the full 5-year window we track, IVV has the edge at +7.05% annualized vs -0.38%. 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 6.6% for TOTR. 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 -19.6% for TOTR. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while TOTR charges 0.31%. On a $10,000 position that is $3 vs $31 annually, a gap of $28 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 5.31% for TOTR.
Holdings Overlap
IVV and TOTR share 0 holdings out of 1084 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 TOTR?
IVV has an expense ratio of 0.03% while TOTR charges 0.31%. IVV is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, IVV or TOTR?
Over the past year IVV returned +23.70% vs +2.69% for TOTR, so IVV leads on 1-year performance. Over the longest common window we track (5 years), IVV annualized +7.05% vs -0.38% for TOTR. Past performance does not guarantee future results.
Which is riskier, IVV or TOTR?
IVV has been the more volatile fund at 15.1% annualized versus 6.6% for TOTR. Worst drawdown: IVV -56.5% vs TOTR -19.6%.
Should I hold both IVV and TOTR?
IVV and TOTR have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and TOTR?
IVV and TOTR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1084 unique securities.
Which pays a higher dividend, IVV or TOTR?
IVV yields 1.09% while TOTR yields 5.31%, so TOTR currently pays the higher dividend yield.
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