IVV vs VTSAX
IVV vs VTSAX
iShares Core S&P 500 ETF vs Vanguard Total Stock Market Index Fund Admiral Shares
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. VTSAX offers more diversification with 2728 holdings.
Side-by-Side Comparison
| Metric | IVV | VTSAX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.04% | |
| AUM | $865.2B | $489.0B | |
| Dividend Yield | 1.09% | 1.04% | |
| Holdings | 508 | 3,543 | |
| YTD Return | +13.13% | +12.90% | |
| 1Y Return | +22.90% | +22.84% | |
| 3Y Return (annualized) | +21.08% | +19.17% | |
| 5Y Return (annualized) | +13.27% | +10.71% | |
| Volatility (annualized) | 15.1% | 16.4% | |
| Max Drawdown | -56.5% | -26.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Nov 13, 2000 |
IVV vs VTSAX Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is a mutual fund from Vanguard (US). Over the past year IVV returned +22.90% while VTSAX returned +22.84%. Year to date, IVV is up 13.13% versus a gain of 12.90% for VTSAX.
Over three years, IVV compounded at +21.08% per year against +19.17% for VTSAX; over five years the annualized figures are +13.27% and +10.71% respectively. Across the full 5-year window we track, VTSAX has the edge at +10.71% annualized vs +7.02%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTSAX has been the more volatile fund, with annualized monthly volatility of 16.4% 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 -26.3% for VTSAX. 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 0.99. 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 VTSAX charges 0.04%. On a $10,000 position that is $3 vs $4 annually, a gap of $1 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 1.04% for VTSAX.
Holdings Overlap
IVV and VTSAX share 464 holdings out of 2769 unique holdings combined, representing a 84.9% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in IVV | Weight in VTSAX | Difference |
|---|---|---|---|
| NVDA | 7.76% | 6.32% | 1.44% |
| AAPL | 7.44% | 5.84% | 1.60% |
| MSFT | 4.57% | 3.81% | 0.76% |
| AMZN | Pro | Pro | Pro |
| GOOGL | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
See all 10 holdings IVV shares with VTSAX 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 VTSAX?
IVV has an expense ratio of 0.03% while VTSAX charges 0.04%. IVV is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, IVV or VTSAX?
Over the past year IVV returned +22.90% vs +22.84% for VTSAX, so IVV leads on 1-year performance. Over the longest common window we track (5 years), IVV annualized +7.02% vs +10.71% for VTSAX. Past performance does not guarantee future results.
Which is riskier, IVV or VTSAX?
VTSAX has been the more volatile fund at 16.4% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs VTSAX -26.3%.
Should I hold both IVV and VTSAX?
IVV and VTSAX have a monthly-return correlation of 0.99, 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 VTSAX?
IVV and VTSAX share 464 common holdings with a 84.9% weight overlap. Combined, they hold 2769 unique securities.
Which pays a higher dividend, IVV or VTSAX?
IVV yields 1.09% while VTSAX yields 1.04%, so IVV currently pays the higher dividend yield.
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