IVV vs USFI
IVV vs USFI
iShares Core S&P 500 ETF vs BrandywineGLOBAL - US Fixed 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 | USFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.39% | |
| AUM | $865.2B | $10M | |
| Dividend Yield | 1.09% | 4.25% | |
| Holdings | 508 | 59 | |
| YTD Return | +13.80% | +0.78% | |
| 1Y Return | +23.70% | +3.11% | |
| 3Y Return (annualized) | +21.49% | +4.06% | |
| 5Y Return (annualized) | +13.43% | - | |
| Volatility (annualized) | 15.1% | 7.2% | |
| Max Drawdown | -56.5% | -8.5% | |
| Fund Family | iShares by BlackRock (US) | Franklin Templeton Investments (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Jul 25, 2023 |
IVV vs USFI Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and BrandywineGLOBAL - US Fixed Income ETF (USFI) is a ETF from Franklin Templeton Investments (US). Over the past year IVV returned +23.70% while USFI returned +3.11%. Year to date, IVV is up 13.80% versus a gain of 0.78% for USFI.
Over three years, IVV compounded at +21.49% per year against +4.06% for USFI. Across the full 3-year window we track, IVV has the edge at +7.05% annualized vs +3.84%. 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 7.2% for USFI. 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 -8.5% for USFI. 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while USFI charges 0.39%. On a $10,000 position that is $3 vs $39 annually, a gap of $36 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.25% for USFI.
Holdings Overlap
IVV and USFI share 0 holdings out of 547 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 USFI?
IVV has an expense ratio of 0.03% while USFI charges 0.39%. IVV is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, IVV or USFI?
Over the past year IVV returned +23.70% vs +3.11% for USFI, so IVV leads on 1-year performance. Over the longest common window we track (3 years), IVV annualized +7.05% vs +3.84% for USFI. Past performance does not guarantee future results.
Which is riskier, IVV or USFI?
IVV has been the more volatile fund at 15.1% annualized versus 7.2% for USFI. Worst drawdown: IVV -56.5% vs USFI -8.5%.
Should I hold both IVV and USFI?
IVV and USFI have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and USFI?
IVV and USFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 547 unique securities.
Which pays a higher dividend, IVV or USFI?
IVV yields 1.09% while USFI yields 4.25%, so USFI currently pays the higher dividend yield.
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