IVV vs UCRD
IVV vs UCRD
iShares Core S&P 500 ETF vs VictoryShares Corporate Bond 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 | UCRD | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.40% | |
| AUM | $865.2B | $148M | |
| Dividend Yield | 1.09% | 4.18% | |
| Holdings | 508 | 476 | |
| YTD Return | +13.52% | +0.29% | |
| 1Y Return | +23.63% | +2.68% | |
| 3Y Return (annualized) | +21.26% | +5.60% | |
| 5Y Return (annualized) | +13.52% | - | |
| Volatility (annualized) | 15.1% | 8.4% | |
| Max Drawdown | -56.5% | -22.1% | |
| Fund Family | iShares by BlackRock (US) | Victory Capital Management Inc. | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Oct 4, 2021 |
IVV vs UCRD Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and VictoryShares Corporate Bond ETF (UCRD) is a ETF from Victory Capital Management Inc.. Over the past year IVV returned +23.63% while UCRD returned +2.68%. Year to date, IVV is up 13.52% versus a gain of 0.29% for UCRD.
Over three years, IVV compounded at +21.26% per year against +5.60% for UCRD. Across the full 5-year window we track, IVV has the edge at +7.04% annualized vs +0.17%. 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 8.4% for UCRD. 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 -22.1% for UCRD. 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while UCRD charges 0.40%. On a $10,000 position that is $3 vs $40 annually, a gap of $37 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.18% for UCRD.
Holdings Overlap
IVV and UCRD share 1 holdings out of 893 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in UCRD | Difference |
|---|---|---|---|
| KDP | 0.06% | 0.16% | 0.10% |
Frequently Asked Questions
Which is cheaper, IVV or UCRD?
IVV has an expense ratio of 0.03% while UCRD charges 0.40%. IVV is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, IVV or UCRD?
Over the past year IVV returned +23.63% vs +2.68% for UCRD, so IVV leads on 1-year performance. Over the longest common window we track (5 years), IVV annualized +7.04% vs +0.17% for UCRD. Past performance does not guarantee future results.
Which is riskier, IVV or UCRD?
IVV has been the more volatile fund at 15.1% annualized versus 8.4% for UCRD. Worst drawdown: IVV -56.5% vs UCRD -22.1%.
Should I hold both IVV and UCRD?
IVV and UCRD have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and UCRD?
IVV and UCRD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 893 unique securities.
Which pays a higher dividend, IVV or UCRD?
IVV yields 1.09% while UCRD yields 4.18%, so UCRD currently pays the higher dividend yield.
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