FNILX vs IVV: Yield, Cost and Returns Compared
As of Nov 5, 2026, IVV yields more: 1.12% (dividend yield) against 0.90% for FNILX. FNILX is cheaper to own at 0.00% a year vs 0.03%. Over the same 8 years (Sep 2018 to Oct 2026), FNILX returned 14.3% a year with distributions reinvested, and IVV 14.3%.
IVViShares Core S&P 500 ETF1.12%dividend yield| Compared | FNILX | IVV |
|---|---|---|
| YieldDividend yield | 0.90% | 1.12% |
| Expense ratio | 0.00% | 0.03% |
| Total return, 1 yr | +11.4% | +12.1% |
| Total return, 3 yr (a year) | +23.5% | +23.4% |
| Total return, 5 yr (a year) | +11.7% | +12.0% |
| Total return, 10 yr (a year) | — | +15.4% |
| Worst drop since Sep 2018 | -24.8% | -23.9% |
| Share price since Sep 2018 | +171% | +159% |
| Pays | Annual | Quarterly |
| Issuer | Fidelity | iShares |
| Assets | $19.3B | $870.0B |
| Started | 2018 | 2000 |
| Type | Large Blend | Large Blend |
Higher yield
IVV
1.12%
Lower cost
FNILX
0.00%
Better total return
FNILX
14.3%/yr
Smaller worst drop
IVV
-23.9%
Key facts: FNILX vs IVV
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, FNILX yields 0.90% (dividend yield) and IVV yields 1.12% (dividend yield).
- FNILX's expense ratio is 0.00% and IVV's is 0.03%: $0 vs $3 a year on $10,000.
- From Sep 2018 to Oct 2026, $10,000 in FNILX grew to $29,551 (14.3% a year) and $10,000 in IVV to $29,450 (14.3% a year), distributions reinvested.
- Their worst month-end drops over that time: -24.8% for FNILX and -23.9% for IVV.
- 9 of FNILX's top ten holdings are also in IVV's top ten, an overlap of at least 36% of the fund.
Cite this page
SmarterDividends, "FNILX vs IVV: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/fnilx-vs-ivv
$10,000 in each, Sep 2018 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
FNILX became
$29,551
14.3% a year
IVV became
$29,450
14.3% a year
Year by year
| Year | FNILX | IVV |
|---|---|---|
| 2025 | +17.8% | +17.8% |
| 2024 | +25.5% | +24.9% |
| 2023 | +27.5% | +26.3% |
| 2022 | −19.4% | −18.2% |
| 2021 | +26.7% | +28.8% |
| 2020 | +21.1% | +18.4% |
| 2019 | +31.8% | +31.3% |
Total return each calendar year, distributions reinvested.
Top holdings
9 of the top ten overlap, at least 36% of each fund.
FNILX
- NVDA NVIDIA Corp8.1%
- AAPL Apple Inc7.2%
- MSFT Microsoft Corp5.6%
- AMZN Amazon.com Inc3.6%
- GOOGL Alphabet Inc Class A3.0%
- AVGO Broadcom Inc2.4%
- GOOG Alphabet Inc Class C2.4%
- META Meta Platforms Inc Class A2.3%
- MU Micron Technology Inc1.8%
IVV
- NVDA NVIDIA Corp8.4%
- AAPL Apple Inc7.4%
- MSFT Microsoft Corp5.8%
- AMZN Amazon.com Inc3.7%
- GOOGL Alphabet Inc Class A3.1%
- AVGO Broadcom Inc2.5%
- GOOG Alphabet Inc Class C2.5%
- META Meta Platforms Inc Class A2.4%
- MU Micron Technology Inc1.8%
- TSLA Tesla Inc1.5%
FNILX vs IVV: questions
Is FNILX or IVV better?
It depends on the job. IVV pays more today (1.12% vs 0.90%), FNILX costs less, and FNILX has the better total return over Sep 2018 to Oct 2026, with IVV holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, FNILX or IVV?
IVV, at 1.12% against 0.90% for FNILX as of Nov 5, 2026. On $10,000 that's about $112 vs $90 a year at today's rates.
Which has the better total return?
FNILX. From Sep 2018 to Oct 2026, it returned 14.3% a year with distributions reinvested, against 14.3% for IVV. $10,000 became $29,551 vs $29,450.
Which is cheaper, FNILX or IVV?
FNILX, with a 0.00% expense ratio against 0.03%.
Do FNILX and IVV hold the same things?
Partly. 9 of their top ten holdings match (NVDA, AAPL, MSFT, AMZN), at least 36% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. IVV leads on 4 of 7 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.