IBDZ vs IVV
iShares iBonds Dec 2034 Term Corporate ETF vs iShares Core S&P 500 ETF
Which is better, IBDZ or IVV?
Long Term Bond against Large Cap Blend.
IVV has a lower expense ratio. IVV led over 1Y and the full window. IBDZ is less concentrated, with 8.1% of the fund in its ten largest positions against 38.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IBDZ | IVV |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $860M | $896.5B |
| Dividend Yield | 5.14% | 1.10% |
| Holdings | 382 | 508 |
| YTD Return | -2.71% | +13.59%Best |
| 1Y Return | -2.14% | +17.54%Best |
| 3Y Return (annualized) | - | +22.46% |
| 5Y Return (annualized) | - | +13.28% |
| Volatility (annualized) | 4.9%Best | 11.6% |
| Max Drawdown | -5.6%Best | -18.8% |
| $10,000 over 2.4 years | $11,035 | $15,017Best |
| Top 10 Weight | 8.1%Best | 38.9% |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Bond | Large Cap Blend |
| Inception | May 22, 2024 | May 15, 2000 |
Volatility and max drawdown, and the $10,000 over 2.4 years row, are measured over the window both funds cover: May 24, 2024 to Oct 14, 2026 (2.4 years).
IBDZ vs IVV growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2.4 years both funds cover.
IBDZ vs IVV Performance
iShares iBonds Dec 2034 Term Corporate ETF (IBDZ) is an ETF from iShares by BlackRock (US) and iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US). Over the past year IBDZ returned -2.14% while IVV returned +17.54%. Year to date, IBDZ is down 2.71% versus a gain of 13.59% for IVV.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 11.6% compared with 4.9% for IBDZ. 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 -5.6% for IBDZ and -18.8% for IVV. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.42. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDZ charges 0.10% per year while IVV charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, IBDZ currently yields 5.14% against 1.10% for IVV.
Holdings Overlap
0.6% of IBDZ's money is in holdings IVV also owns. 0.1% of IVV's money is in holdings IBDZ also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 366 positions we hold weights for in IBDZ and 506 in IVV, against full books of 382 and 508.
What only one of them owns
Measured across the 366 and 506 positions we hold weights for.
IVV holds 496 positions IBDZ does not, 99.3% of the fund.
Largest: NVDA 8.44%, AAPL 7.29%, MSFT 5.76%, AMZN 3.68%, GOOGL 3.00%
Top Shared Holdings
| Stock | Weight in IBDZ | Weight in IVV | Difference |
|---|---|---|---|
| XTSLABlackrock Cash Funds: Treasury, Sl Agency Shares | 0.61% | 0.10% | 0.51% |
You are not choosing between two funds in isolation.
Whichever of IBDZ and IVV you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IBDZ or IVV?
IBDZ has an expense ratio of 0.10% while IVV charges 0.03%. IVV is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, IBDZ or IVV?
Over the past year IBDZ returned -2.14% vs +17.54% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IBDZ annualized +4.19% vs +18.46% for IVV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDZ or IVV?
IVV has been the more volatile fund at 11.6% annualized versus 4.9% for IBDZ. Worst drawdown: IBDZ -5.6% vs IVV -18.8%.
Should I hold both IBDZ and IVV?
IBDZ and IVV have a monthly-return correlation of 0.42, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IBDZ or IVV?
IBDZ yields 5.14% while IVV yields 1.10%, so IBDZ currently pays the higher dividend yield.
Is IVV better than IBDZ?
IVV has a lower expense ratio. IVV led over 1Y and the full window. IBDZ is less concentrated, with 8.1% of the fund in its ten largest positions against 38.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.