IBTI vs IVV
iShares iBonds Dec 2028 Term Treasury ETF vs iShares Core S&P 500 ETF
Which is better, IBTI or IVV?
IVV has been ahead.
IVV has a lower expense ratio. IVV led over 1Y, 3Y, 5Y and the full window.
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 | IBTI | IVV |
|---|---|---|
| Expense Ratio | 0.07% | 0.03%Best |
| AUM | $2.2B | $896.5B |
| Dividend Yield | 3.78% | 1.10% |
| Holdings | 48 | 508 |
| YTD Return | +0.59% | +13.59%Best |
| 1Y Return | +1.31% | +17.54%Best |
| 3Y Return (annualized) | +4.67% | +22.46%Best |
| 5Y Return (annualized) | +0.25% | +13.28%Best |
| Volatility (annualized) | 4.8%Best | 16.6% |
| Max Drawdown | -18.7%Best | -28.6% |
| $10,000 over 5 years | $10,126 | $18,654Best |
| Fund Family | iShares by BlackRock (US) | iShares by BlackRock (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Feb 25, 2020 | May 15, 2000 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 28, 2020 to Oct 14, 2026 (6.6 years).
IBTI 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
IBTI vs IVV Performance
iShares iBonds Dec 2028 Term Treasury ETF (IBTI) 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 IBTI returned +1.31% while IVV returned +17.54%. Year to date, IBTI is up 0.59% versus a gain of 13.59% for IVV.
Over three years, IBTI compounded at +4.67% per year against +22.46% for IVV; over five years the annualized figures are +0.25% and +13.28% respectively. Across the full 7-year window we track, IVV has the edge at +16.99% annualized vs +0.16%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 4.8% for IBTI. 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 -18.7% for IBTI and -28.6% 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 0.28. They move largely independently of each other.
Fees and Cost Over Time
IBTI charges 0.07% per year while IVV charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, IBTI currently yields 3.78% against 1.10% for IVV.
Holdings Overlap
At least 0.1% of IVV's money is in holdings IBTI also owns.
Stated as a floor: for IBTI, our book for it covers 72.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 36 positions we hold weights for in IBTI and 506 in IVV, against full books of 48 and 508.
Top Shared Holdings
| Stock | Weight in IBTI | Weight in IVV | Difference |
|---|---|---|---|
| XTSLABlackrock Cash Funds: Treasury, Sl Agency Shares | 0.39% | 0.10% | 0.29% |
You are not choosing between two funds in isolation.
Whichever of IBTI 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, IBTI or IVV?
IBTI has an expense ratio of 0.07% while IVV charges 0.03%. IVV is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, IBTI or IVV?
Over the past year IBTI returned +1.31% vs +17.54% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (7 years), IBTI annualized +0.16% vs +16.99% for IVV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBTI or IVV?
IVV has been the more volatile fund at 16.6% annualized versus 4.8% for IBTI. Worst drawdown: IBTI -18.7% vs IVV -28.6%.
Should I hold both IBTI and IVV?
IBTI and IVV have a monthly-return correlation of 0.28, 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, IBTI or IVV?
IBTI yields 3.78% while IVV yields 1.10%, so IBTI currently pays the higher dividend yield.
Is IVV better than IBTI?
IVV has a lower expense ratio. IVV led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.