ITOT vs IVV: Head-to-Head Comparison
ITOT vs IVV: iShares Core S&P Total U.S. Stock Market ETF has an expense ratio of 0.03% while iShares Core S&P 500 ETF charges 0.03%. ITOT holds 2,500 securities vs IVV's 503. 5-year returns: 13.50% vs 15.70%.
Last updated: April 2026
Total Market
Quick Verdict
IVV edges out ITOT with a stronger Beginner Suitability Score (9.5 vs 9). It offers better overall characteristics for new investors.
Side-by-Side Comparison
| Metric | ITOT | IVV |
|---|---|---|
| Expense Ratio | 0.03% | 0.03% |
| AUM | $60.0B | $520.0B |
| Dividend Yield | 1.40% | 1.30% |
| Holdings | 2,500 | 503 |
| 1-Year Return | 21.00% | 26.60% |
| 5-Year Return (Ann.) | 13.50% | 15.70% |
| 10-Year Return (Ann.) | 11.50% | 13.20% |
| Beta | 1.01 | 1.00 |
| P/E Ratio | 24.5 | 25.8 |
ITOT 5-year annualized return is 13.50% compared to IVV's 15.70%. Over 10 years, ITOT returned 11.50% vs IVV's 13.20%.
View data table
| Period | ITOT Return | IVV Return |
|---|---|---|
| YTD | 3.10% | 3.10% |
| 1 Year | 21.00% | 26.60% |
| 3 Year | 9.50% | 11.10% |
| 5 Year | 13.50% | 15.70% |
| 10 Year | 11.50% | 13.20% |
Key Differences Between ITOT and IVV
ITOT (iShares Core S&P Total U.S. Stock Market ETF) is a us total market fund managed by BlackRock. ITOT tracks the S&P Total Market Index, providing exposure to the entire U.S. stock market including large, mid, small, and micro-cap companies in a single fund. With over 2,500 holdings, it captures virtually all investable U.S. stocks at an ultra-low expense ratio. This fund is an ideal core holding for investors who want complete U.S. equity market coverage without worrying about which size segment to favor.
IVV (iShares Core S&P 500 ETF) is a u.s. large-cap blend fund managed by BlackRock. IVV tracks the S&P 500 index, offering exposure to 500 of the largest U.S. companies at one of the lowest costs available. It is a core building block for any portfolio, providing broad diversification across all major sectors of the American economy. Beginners appreciate IVV for its simplicity, rock-bottom fees, and strong long-term performance history.
The most notable differences are in fees (0.03% vs 0.03%), number of holdings (2,500 vs 503), and 5-year returns (13.50% vs 15.70%).
ITOT vs IVV multi-factor comparison: ITOT has a 0.03% expense ratio, 13.50% 5-year return, 2,500 holdings, 1.01 beta, and 1.40% yield. IVV has 0.03% expense ratio, 15.70% 5-year return, 503 holdings, 1.00 beta, and 1.30% yield.
View data table
| Metric | ITOT | IVV |
|---|---|---|
| Expense Ratio | 0.03% | 0.03% |
| 5-Year Return | 13.50% | 15.70% |
| Holdings | 2,500 | 503 |
| Beta | 1.01 | 1.00 |
| Dividend Yield | 1.40% | 1.30% |
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Holdings Overlap Analysis
100%
Holdings Overlap
ITOT and IVV share 100% of their top holdings. This means they are very similar funds — owning both would result in significant duplication in your portfolio. For most beginners, choosing one is sufficient.
ITOT and IVV share 100% of their top holdings (high overlap). ITOT has 2,500 total holdings and IVV has 503. Common holdings include AAPL, MSFT, NVDA.
View data table
| Metric | ITOT | IVV |
|---|---|---|
| Overlap | 100% | 100% |
| Unique Holdings | 0% | 0% |
| Total Holdings | 2,500 | 503 |
Cost Comparison Over Time
If you invest $10,000 and hold for 20 years (assuming 8% annual returns):
ITOT
Fee cost: $258
IVV
Fee cost: $258
Over 20 years, the fee difference amounts to $0 on a $10,000 investment. The cost difference is negligible — choose based on other factors.
On a $10,000 investment over 20 years at 8% return, ITOT (0.03% fee) grows to $46,351 while IVV (0.03% fee) grows to $46,351. The fee difference costs $0.
View data table
| Year | ITOT Value | IVV Value |
|---|---|---|
| 0 | $10,000 | $10,000 |
| 5 | $14,673 | $14,673 |
| 10 | $21,529 | $21,529 |
| 15 | $31,590 | $31,590 |
| 20 | $46,351 | $46,351 |
Which One Should a Beginner Choose?
Choose ITOT if: You want core portfolio builders wanting total u.s. market exposure at rock-bottom cost, investors who prefer ishares over vanguard for their total market allocation, simple three-fund portfolio strategies pairing u.s., international, and bonds. It's managed by BlackRock with an expense ratio of 0.03%.
Choose IVV if: You want investors seeking a low-cost core holding that mirrors the entire large-cap u.s. market, retirement savers building a simple three-fund portfolio, anyone who wants an alternative to voo with a slightly longer track record. It's managed by BlackRock with an expense ratio of 0.03%.
Can You Own Both ITOT and IVV?
With 100% holdings overlap, owning both means you're essentially doubling down on the same stocks. For beginners, we recommend picking one to keep things simple. If you want more diversification, consider pairing your choice with an international ETF like VXUS or a bond ETF like BND instead.
Frequently Asked Questions
Should I buy ITOT or IVV?▾
IVV edges out ITOT with a stronger Beginner Suitability Score (9.5 vs 9). It offers better overall characteristics for new investors. However, both are solid options. ITOT is best for investors who want core portfolio builders wanting total u.s. market exposure at rock-bottom cost, while IVV is better suited for investors seeking a low-cost core holding that mirrors the entire large-cap u.s. market.
What is the difference between ITOT and IVV?▾
ITOT (iShares Core S&P Total U.S. Stock Market ETF) tracks us total market investments with 2,500 holdings and a 0.03% expense ratio. IVV (iShares Core S&P 500 ETF) focuses on u.s. large-cap blend with 503 holdings at 0.03%. Their top holdings overlap by 100%.
Can I own both ITOT and IVV?▾
Since ITOT and IVV have 100% holdings overlap, owning both means significant duplication. Most beginners are better off choosing one.