IVV vs YEAR
IVV vs YEAR
iShares Core S&P 500 ETF vs AB Ultra Short 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 | YEAR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $865.2B | $1.5B | |
| Dividend Yield | 1.09% | 4.26% | |
| Holdings | 508 | 169 | |
| YTD Return | +9.93% | +1.59% | |
| 1Y Return | +19.59% | +3.82% | |
| 3Y Return (annualized) | +19.41% | +4.93% | |
| 5Y Return (annualized) | +12.89% | - | |
| Volatility (annualized) | 15.1% | 0.9% | |
| Max Drawdown | -56.5% | -0.6% | |
| Fund Family | iShares by BlackRock (US) | AllianceBernstein L.P. | |
| Category | Equity | Fixed Income | |
| Inception | May 15, 2000 | Sep 13, 2022 |
IVV vs YEAR Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and AB Ultra Short Income ETF (YEAR) is a ETF from AllianceBernstein L.P.. Over the past year IVV returned +19.59% while YEAR returned +3.82%. Year to date, IVV is up 9.93% versus a gain of 1.59% for YEAR.
Over three years, IVV compounded at +19.41% per year against +4.93% for YEAR. Across the full 4-year window we track, IVV has the edge at +6.91% annualized vs +4.89%. 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 0.9% for YEAR. 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 -0.6% for YEAR. 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 0.18. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IVV charges 0.03% per year while YEAR charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, IVV currently yields 1.09% against 4.26% for YEAR.
Holdings Overlap
IVV and YEAR share 0 holdings out of 604 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 YEAR?
IVV has an expense ratio of 0.03% while YEAR charges 0.25%. IVV is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, IVV or YEAR?
Over the past year IVV returned +19.59% vs +3.82% for YEAR, so IVV leads on 1-year performance. Over the longest common window we track (4 years), IVV annualized +6.91% vs +4.89% for YEAR. Past performance does not guarantee future results.
Which is riskier, IVV or YEAR?
IVV has been the more volatile fund at 15.1% annualized versus 0.9% for YEAR. Worst drawdown: IVV -56.5% vs YEAR -0.6%.
Should I hold both IVV and YEAR?
IVV and YEAR have a monthly-return correlation of 0.18, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and YEAR?
IVV and YEAR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 604 unique securities.
Which pays a higher dividend, IVV or YEAR?
IVV yields 1.09% while YEAR yields 4.26%, so YEAR currently pays the higher dividend yield.
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