IVV vs RSP: Yield, Cost and Returns Compared
As of Nov 5, 2026, RSP yields more: 1.45% (dividend yield) against 1.12% for IVV. IVV is cheaper to own at 0.03% a year vs 0.20%. Over the same 18 years (Dec 2007 to Oct 2026), IVV returned 11.1% a year with distributions reinvested, and RSP 10.6%.
IVViShares Core S&P 500 ETF1.12%dividend yield| Compared | IVV | RSP |
|---|---|---|
| YieldDividend yield | 1.12% | 1.45% |
| Expense ratio | 0.03% | 0.20% |
| Total return, 1 yr | +12.1% | +18.0% |
| Total return, 3 yr (a year) | +23.4% | +19.0% |
| Total return, 5 yr (a year) | +12.0% | +8.5% |
| Total return, 10 yr (a year) | +15.4% | +12.2% |
| Worst drop since Dec 2007 | -48.2% | -51.2% |
| Share price since Dec 2007 | +417% | +363% |
| Pays | Quarterly | Quarterly |
| Issuer | iShares | Invesco |
| Assets | $870.0B | $100.7B |
| Started | 2000 | 2003 |
| Type | Large Blend | Large Blend |
Higher yield
RSP
1.45%
Lower cost
IVV
0.03%
Better total return
IVV
11.1%/yr
Smaller worst drop
IVV
-48.2%
Key facts: IVV vs RSP
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, IVV yields 1.12% (dividend yield) and RSP yields 1.45% (dividend yield).
- IVV's expense ratio is 0.03% and RSP's is 0.20%: $3 vs $20 a year on $10,000.
- From Dec 2007 to Oct 2026, $10,000 in IVV grew to $72,879 (11.1% a year) and $10,000 in RSP to $66,155 (10.6% a year), distributions reinvested.
- Their worst month-end drops over that time: -48.2% for IVV and -51.2% for RSP.
- 0 of IVV's top ten holdings are also in RSP's top ten.
Cite this page
SmarterDividends, "IVV vs RSP: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/ivv-vs-rsp
$10,000 in each, Dec 2007 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
IVV became
$72,879
11.1% a year
RSP became
$66,155
10.6% a year
Year by year
| Year | IVV | RSP |
|---|---|---|
| 2025 | +17.8% | +11.2% |
| 2024 | +24.9% | +12.8% |
| 2023 | +26.3% | +13.7% |
| 2022 | −18.2% | −11.6% |
| 2021 | +28.8% | +29.4% |
| 2020 | +18.4% | +12.7% |
| 2019 | +31.3% | +28.9% |
| 2018 | −4.5% | −7.8% |
| 2017 | +21.8% | +18.5% |
| 2016 | +12.1% | +14.5% |
| 2015 | +0.7% | −1.7% |
| 2014 | +13.6% | +15.1% |
| 2013 | +32.3% | +36.7% |
| 2012 | +16.1% | +18.6% |
| 2011 | +1.9% | +0.2% |
| 2010 | +15.1% | +21.5% |
| 2009 | +26.6% | +44.7% |
| 2008 | −37.0% | −40.0% |
Total return each calendar year, distributions reinvested.
Top holdings
No overlap in the top ten.
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%
RSP
- MRNA Moderna Inc0.3%
- PTC PTC Inc0.3%
- ACN Accenture PLC Class A0.3%
- IT Gartner Inc0.3%
- HAS Hasbro Inc0.3%
- P Everpure Inc Class A0.3%
- MTD Mettler-Toledo International Inc0.3%
- CRL Charles River Laboratories International Inc0.3%
- CCL Carnival Corporation Ltd0.2%
- RVTY Revvity Inc0.2%
IVV vs RSP: questions
Is IVV or RSP better?
It depends on the job. RSP pays more today (1.45% vs 1.12%), IVV costs less, and IVV has the better total return over Dec 2007 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, IVV or RSP?
RSP, at 1.45% against 1.12% for IVV as of Nov 5, 2026. On $10,000 that's about $145 vs $112 a year at today's rates.
Which has the better total return?
IVV. From Dec 2007 to Oct 2026, it returned 11.1% a year with distributions reinvested, against 10.6% for RSP. $10,000 became $72,879 vs $66,155.
Which is cheaper, IVV or RSP?
IVV, with a 0.03% expense ratio against 0.20%.
Do IVV and RSP hold the same things?
Not at the top: none of their top ten holdings match.
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 6 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.