IVV vs VTC
IVV vs VTC
iShares Core S&P 500 ETF vs Vanguard Total Corporate Bond ETF
Quick Verdict
IVV delivered stronger 1-year returns. VTC offers more diversification with 4198 holdings.
Side-by-Side Comparison
| Metric | IVV | VTC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $865.2B | $1.8B | |
| Dividend Yield | 1.09% | 4.17% | |
| Holdings | 508 | 4,840 | |
| YTD Return | +13.13% | -0.59% | |
| 1Y Return | +22.90% | +1.57% | |
| 3Y Return (annualized) | +21.08% | +4.87% | |
| 5Y Return (annualized) | +13.27% | -0.22% | |
| Volatility (annualized) | 15.1% | 7.3% | |
| Max Drawdown | -56.5% | -22.4% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Nov 7, 2017 |
IVV vs VTC Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Vanguard Total Corporate Bond ETF (VTC) is a ETF from Vanguard (US). Over the past year IVV returned +22.90% while VTC returned +1.57%. Year to date, IVV is up 13.13% versus a loss of 0.59% for VTC.
Over three years, IVV compounded at +21.08% per year against +4.87% for VTC; over five years the annualized figures are +13.27% and -0.22% respectively. Across the full 9-year window we track, IVV has the edge at +7.02% annualized vs +0.96%. 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 7.3% for VTC. 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 -22.4% for VTC. 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while VTC charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, IVV currently yields 1.09% against 4.17% for VTC.
Holdings Overlap
IVV and VTC share 1 holdings out of 4702 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in VTC | Difference |
|---|---|---|---|
| CNP | 0.04% | 0.01% | 0.03% |
Frequently Asked Questions
Which is cheaper, IVV or VTC?
IVV has an expense ratio of 0.03% while VTC charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, IVV or VTC?
Over the past year IVV returned +22.90% vs +1.57% for VTC, so IVV leads on 1-year performance. Over the longest common window we track (9 years), IVV annualized +7.02% vs +0.96% for VTC. Past performance does not guarantee future results.
Which is riskier, IVV or VTC?
IVV has been the more volatile fund at 15.1% annualized versus 7.3% for VTC. Worst drawdown: IVV -56.5% vs VTC -22.4%.
Should I hold both IVV and VTC?
IVV and VTC have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and VTC?
IVV and VTC share 1 common holdings with a 0.0% weight overlap. Combined, they hold 4702 unique securities.
Which pays a higher dividend, IVV or VTC?
IVV yields 1.09% while VTC yields 4.17%, so VTC currently pays the higher dividend yield.
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