IVV vs LDDR
iShares Core S&P 500 ETF vs LifeX 2035 Income Bucket ETF
Which is better, IVV or LDDR?
Large Cap Blend against Long Term Government Bond.
IVV has a lower expense ratio. IVV led over 1Y 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 | IVV | LDDR |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.25% |
| AUM | $896.5B | $38M |
| Dividend Yield | 1.10% | 13.37% |
| Holdings | 508 | 47 |
| YTD Return | +13.59%Best | -11.54% |
| 1Y Return | +17.54%Best | -11.38% |
| 3Y Return (annualized) | +22.46% | - |
| 5Y Return (annualized) | +13.28% | - |
| Volatility (annualized) | 12.6% | 4.6%Best |
| Max Drawdown | -18.8% | -13.7%Best |
| $10,000 over 1.8 years | $13,260Best | $9,430 |
| Fund Family | iShares by BlackRock (US) | Stone Ridge Asset Management |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Long Term Government Bond |
| Inception | May 15, 2000 | Jan 6, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.8 years row, are measured over the window both funds cover: Jan 6, 2025 to Oct 14, 2026 (1.8 years).
IVV vs LDDR 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 1.8 years both funds cover.
IVV vs LDDR Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and LifeX 2035 Income Bucket ETF (LDDR) is an ETF from Stone Ridge Asset Management. Over the past year IVV returned +17.54% while LDDR returned -11.38%. Year to date, IVV is up 13.59% versus a loss of 11.54% for LDDR.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 12.6% compared with 4.6% for LDDR. 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 -18.8% for IVV and -13.7% for LDDR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.03. They move largely independently of each other.
Fees and Cost Over Time
IVV charges 0.03% per year while LDDR 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 1.10% against 13.37% for LDDR.
Holdings Overlap
We hold position weights for 506 holdings in IVV and 29 in LDDR, totalling 99.9% and 57.2% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 506 positions we hold weights for in IVV and 29 in LDDR, against full books of 508 and 47.
You are not choosing between two funds in isolation.
Whichever of IVV and LDDR 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, IVV or LDDR?
IVV has an expense ratio of 0.03% while LDDR charges 0.25%. IVV is the cheaper option, by $22 a year on a $10,000 investment.
Which performed better, IVV or LDDR?
Over the past year IVV returned +17.54% vs -11.38% for LDDR, so IVV leads on 1-year performance. Over the longest common window we track (2 years), IVV annualized +16.97% vs -3.21% for LDDR. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or LDDR?
IVV has been the more volatile fund at 12.6% annualized versus 4.6% for LDDR. Worst drawdown: IVV -18.8% vs LDDR -13.7%.
Should I hold both IVV and LDDR?
IVV and LDDR have a monthly-return correlation of 0.03, 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, IVV or LDDR?
IVV yields 1.10% while LDDR yields 13.37%, so LDDR currently pays the higher dividend yield.
Is LDDR better than IVV?
IVV has a lower expense ratio. IVV led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.