IVV vs RJDI
iShares Core S&P 500 ETF vs RJ Eagle GCM Dividend Select Income ETF
Which is better, IVV or RJDI?
Large Cap Blend against Large Cap Value.
IVV has a lower expense ratio. RJDI led over 1Y and the full window. IVV is less concentrated, with 38.9% of the fund in its ten largest positions against 43.8%.
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 | RJDI |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.63% |
| AUM | $896.5B | $138M |
| Dividend Yield | 1.10% | 1.06% |
| Holdings | 508 | 74 |
| YTD Return | +13.59% | +15.34%Best |
| 1Y Return | +17.54% | +18.87%Best |
| 3Y Return (annualized) | +22.46% | - |
| 5Y Return (annualized) | +13.28% | - |
| Volatility (annualized) | 13.2%Best | 13.3% |
| Max Drawdown | -8.9% | -7.0%Best |
| $10,000 over 1 years | $11,577 | $11,740Best |
| Top 10 Weight | 38.9%Best | 43.8% |
| Fund Family | iShares by BlackRock (US) | Raymond James Financial, Inc. |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | May 15, 2000 | Oct 2, 2025 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Oct 2, 2025 to Oct 14, 2026 (1 years).
IVV vs RJDI 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 years both funds cover.
IVV vs RJDI Performance
iShares Core S&P 500 ETF (IVV) is an ETF from iShares by BlackRock (US) and RJ Eagle GCM Dividend Select Income ETF (RJDI) is an ETF from Raymond James Financial, Inc.. Over the past year IVV returned +17.54% while RJDI returned +18.87%. Year to date, IVV is up 13.59% versus a gain of 15.34% for RJDI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RJDI has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 13.2% 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 -8.9% for IVV and -7.0% for RJDI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IVV charges 0.03% per year while RJDI charges 0.63%. On a $10,000 position that is $3 vs $63 annually, a gap of $60 per year that compounds over a long holding period. On income, IVV currently yields 1.10% against 1.06% for RJDI.
Holdings Overlap
24.2% of IVV's money is in holdings RJDI also owns. 88.5% of RJDI's money is in holdings IVV also owns.
Most of RJDI is already inside IVV. Owning both mostly buys the same companies twice.
32 positions in common, counted across the 506 positions we hold weights for in IVV and 35 in RJDI, against full books of 508 and 74.
What only one of them owns
Our book lists 3 positions for RJDI that do not appear in our book for IVV (7.9% of the fund), and 468 for IVV that do not appear in RJDI (75.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IVV | Weight in RJDI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 7.29% | 4.16% | 3.13% |
| MSFTMicrosoft Corp | 5.76% | 3.66% | 2.10% |
| AVGOBroadcom Inc | 2.47% | 6.93% | 4.46% |
| JPMJpmorgan Chase | 1.34% | 4.20% | 2.86% |
| ADIAnalog Devices, Inc. | 0.30% | 5.16% | 4.86% |
| JCIJohnson Controls Intl Plc | 0.14% | 4.49% | 4.35% |
| WMTWalmart, Inc. | 0.70% | 3.80% | 3.10% |
| GLWCorning Inc. | 0.19% | 4.09% | 3.90% |
| ABBVAbbvie Inc. | 0.69% | 3.57% | 2.88% |
| WELLWelltower, Inc. | 0.25% | 3.75% | 3.50% |
88.5% of RJDI is already inside IVV.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IVV or RJDI?
IVV has an expense ratio of 0.03% while RJDI charges 0.63%. IVV is the cheaper option, by $60 a year on a $10,000 investment.
Which performed better, IVV or RJDI?
Over the past year IVV returned +17.54% vs +18.87% for RJDI, so RJDI leads on 1-year performance. Over the longest common window we track (1 years), IVV annualized +15.77% vs +17.40% for RJDI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IVV or RJDI?
RJDI has been the more volatile fund at 13.3% annualized versus 13.2% for IVV. Worst drawdown: IVV -8.9% vs RJDI -7.0%.
Should I hold both IVV and RJDI?
IVV and RJDI have a monthly-return correlation of 0.54, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IVV and RJDI?
88.5% of RJDI's money is in holdings IVV also owns. 88.5% of RJDI's is in holdings IVV also owns. They hold 32 positions in common, counted across the 506 positions we hold weights for in IVV and 35 in RJDI.
Which pays a higher dividend, IVV or RJDI?
IVV yields 1.10% while RJDI yields 1.06%, so IVV currently pays the higher dividend yield.
Is RJDI better than IVV?
IVV has a lower expense ratio. RJDI led over 1Y and the full window. IVV is less concentrated, with 38.9% of the fund in its ten largest positions against 43.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.