IVV vs XNAV
IVV vs XNAV
iShares Core S&P 500 ETF vs FundX Aggressive ETF
Quick Verdict
IVV has a lower expense ratio. XNAV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IVV | XNAV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.27% | |
| AUM | $865.2B | $30M | |
| Dividend Yield | 1.09% | 0.48% | |
| Holdings | 508 | 23 | |
| YTD Return | +13.31% | +12.24% | |
| 1Y Return | +24.00% | +27.80% | |
| 3Y Return (annualized) | +21.16% | +19.61% | |
| 5Y Return (annualized) | +13.34% | - | |
| Volatility (annualized) | 15.1% | 16.7% | |
| Max Drawdown | -56.5% | -24.3% | |
| Fund Family | iShares by BlackRock (US) | FundX Funds | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Oct 14, 2022 |
IVV vs XNAV Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and FundX Aggressive ETF (XNAV) is a ETF from FundX Funds. Over the past year IVV returned +24.00% while XNAV returned +27.80%. Year to date, IVV is up 13.31% versus a gain of 12.24% for XNAV.
Over three years, IVV compounded at +21.16% per year against +19.61% for XNAV. Across the full 4-year window we track, XNAV has the edge at +20.26% annualized vs +7.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNAV has been the more volatile fund, with annualized monthly volatility of 16.7% 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 -24.3% for XNAV. 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while XNAV charges 1.27%. On a $10,000 position that is $3 vs $127 annually, a gap of $124 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 0.48% for XNAV.
Holdings Overlap
IVV and XNAV share 0 holdings out of 527 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 XNAV?
IVV has an expense ratio of 0.03% while XNAV charges 1.27%. IVV is the cheaper option. On a $10,000 investment, that is $124 per year of difference.
Which performed better, IVV or XNAV?
Over the past year IVV returned +24.00% vs +27.80% for XNAV, so XNAV leads on 1-year performance. Over the longest common window we track (4 years), IVV annualized +7.03% vs +20.26% for XNAV. Past performance does not guarantee future results.
Which is riskier, IVV or XNAV?
XNAV has been the more volatile fund at 16.7% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs XNAV -24.3%.
Should I hold both IVV and XNAV?
IVV and XNAV have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and XNAV?
IVV and XNAV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 527 unique securities.
Which pays a higher dividend, IVV or XNAV?
IVV yields 1.09% while XNAV yields 0.48%, so IVV currently pays the higher dividend yield.
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