IVV vs TPLC
IVV vs TPLC
iShares Core S&P 500 ETF vs Timothy Plan US Large/Mid Cap Core 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 | TPLC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.52% | |
| AUM | $865.2B | $308M | |
| Dividend Yield | 1.09% | 0.89% | |
| Holdings | 508 | 273 | |
| YTD Return | +13.80% | +12.24% | |
| 1Y Return | +23.70% | +14.97% | |
| 3Y Return (annualized) | +21.49% | +13.14% | |
| 5Y Return (annualized) | +13.43% | +8.26% | |
| Volatility (annualized) | 15.1% | 17.1% | |
| Max Drawdown | -56.5% | -38.1% | |
| Fund Family | iShares by BlackRock (US) | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | May 5, 2019 |
IVV vs TPLC Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Timothy Plan US Large/Mid Cap Core ETF (TPLC) is a ETF from Timothy Plan. Over the past year IVV returned +23.70% while TPLC returned +14.97%. Year to date, IVV is up 13.80% versus a gain of 12.24% for TPLC.
Over three years, IVV compounded at +21.49% per year against +13.14% for TPLC; over five years the annualized figures are +13.43% and +8.26% respectively. Across the full 7-year window we track, TPLC has the edge at +11.17% annualized vs +7.05%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPLC has been the more volatile fund, with annualized monthly volatility of 17.1% 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 -38.1% for TPLC. 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 0.92. 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 TPLC charges 0.52%. On a $10,000 position that is $3 vs $52 annually, a gap of $49 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 0.89% for TPLC.
Holdings Overlap
IVV and TPLC share 203 holdings out of 572 unique holdings combined, representing a 17.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in TPLC | Difference |
|---|---|---|---|
| AVGO | 2.83% | 0.21% | 2.62% |
| COST | 0.64% | 0.56% | 0.08% |
| CAT | 0.63% | 0.56% | 0.07% |
| LIN:IE | Pro | Pro | Pro |
| WDC | Pro | Pro | Pro |
| KLAC | Pro | Pro | Pro |
| STX | Pro | Pro | Pro |
| CME | Pro | Pro | Pro |
| SO | Pro | Pro | Pro |
| UNP | Pro | Pro | Pro |
See all 10 holdings IVV shares with TPLC 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 TPLC?
IVV has an expense ratio of 0.03% while TPLC charges 0.52%. IVV is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, IVV or TPLC?
Over the past year IVV returned +23.70% vs +14.97% for TPLC, so IVV leads on 1-year performance. Over the longest common window we track (7 years), IVV annualized +7.05% vs +11.17% for TPLC. Past performance does not guarantee future results.
Which is riskier, IVV or TPLC?
TPLC has been the more volatile fund at 17.1% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs TPLC -38.1%.
Should I hold both IVV and TPLC?
IVV and TPLC have a monthly-return correlation of 0.92, 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 TPLC?
IVV and TPLC share 203 common holdings with a 17.7% weight overlap. Combined, they hold 572 unique securities.
Which pays a higher dividend, IVV or TPLC?
IVV yields 1.09% while TPLC yields 0.89%, so IVV currently pays the higher dividend yield.
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