iShares Core S&P 500 ETF Returns Calculator
Calculate historical returns and project future compounding for iShares Core S&P 500 (IVV). Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Large Blend (US)
AUM
$883.99 Billion
Expense Ratio
0.03%
Fund Manager
BlackRock Fund Advisors
iShares Core S&P 500 (IVV) Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 22.9% CAGR | 5 Years @ 13.8% CAGR | 10 Years @ 15.3% CAGR |
|---|---|---|---|
| $100/mo | $5,208 Invested: $3,600 | $8,676 Invested: $6,000 | $28,439 Invested: $12,000 |
| $250/mo | $13,020 Invested: $9,000 | $21,691 Invested: $15,000 | $71,098 Invested: $30,000 |
| $500/mo | $26,040 Invested: $18,000 | $43,382 Invested: $30,000 | $142,197 Invested: $60,000 |
| $1,000/mo | $52,080 Invested: $36,000 | $86,763 Invested: $60,000 | $284,393 Invested: $120,000 |
| $2,500/mo | $130,200 Invested: $90,000 | $216,908 Invested: $150,000 | $710,983 Invested: $300,000 |
* Projections calculated using actual historical 3-year (22.92%), 5-year (13.82%), and 10-year (15.33%) performance data. Actual mutual fund returns fluctuate with market NAV.
Expert Editorial Analysis & Investment Review
Independent, data-driven assessment of iShares Core S&P 500 ETF covering strategy, benchmark tracking, risk metrics, and suitability for long-term DCA / compounding portfolios.
Fund Overview
iShares Core S&P 500 ETF (IVV) is BlackRock’s flagship domestic large-cap core equity ETF, managing over $900 Billion in assets. Designed as a low-cost, institutional-grade core portfolio building block, IVV provides complete replication of the S&P 500 Index at a rock-bottom net expense ratio of 0.03% ($3 per year per $10,000 invested).
Backed by BlackRock’s Aladdin risk operating system, IVV is widely held by institutional pension funds, registered investment advisors (RIAs), and self-directed retail investors seeking supreme index tracking fidelity, exceptional tax efficiency, and deep secondary market liquidity.
Who Should Invest
- Core Equity Allocators: Investors establishing the foundational equity pillar for taxable accounts, IRAs, and corporate retirement portfolios.
- Fee-Conscious Wealth Builders: Savers demanding an ultra-low 0.03% expense ratio paired with BlackRock’s institutional securities lending program.
- Tax-Sensitive Long-Term Investors: Portfolios that benefit from ETF in-kind creation and redemption mechanisms to avoid annual taxable capital gains distributions.
Key Strengths
- Ultra-Low 0.03% Expense Ratio: Directly matches Vanguard VOO with industry-floor management fees.
- Securities Lending Performance Offset: BlackRock’s lending of underlying securities often offsets a portion of fund operating costs, enhancing net benchmark tracking.
- Supreme Liquidity & Tight Spreads: Billions in daily volume ensuring penny-wide execution spreads.
- Aladdin Risk Management: Real-time liquidity, cash flow, and risk factor monitoring.
Risks to Consider
- Pure Large-Cap Focus: Holds strictly the 500 largest publicly traded corporations, excluding small-cap domestic stocks.
- Mega-Cap Technology Tilt: The top 10 companies drive over 30% of total fund returns.
- Full Exposure to Market Beta: No defensive cash or derivative buffers during broad macroeconomic bear markets.
IVV Systematic Compounding Strategy
IVV has generated an annualized compound growth rate of 15.05% over the trailing 10-year period. Automating recurring monthly contributions into IVV creates a disciplined wealth accumulation strategy that exploits market dips and harnesses corporate earnings growth. Test your returns using our interactive calculator above.
About iShares Core S&P 500 ETF
iShares Core S&P 500 ETF (IVV) is BlackRock's flagship domestic large-cap core ETF, managing over $900 Billion in assets. With an ultra-low 0.03% expense ratio and high securities lending efficiency, IVV is one of the most cost-efficient and tax-advantaged S&P 500 trackers available.
Investment Strategy
Passive Indexing — Seeks to track the investment results of the S&P 500 Index using representative sampling and full replication to mirror America's 500 largest public corporations.
Key Facts
- Over $900 Billion in AUM, ranking among the largest ETFs in the world
- Ultra-low 0.03% expense ratio ($3 per year per $10,000 invested)
- Consistent tracking efficiency enhanced by BlackRock's Aladdin platform
- High liquidity and tight spreads across all brokerage platforms
Historical Returns
3-Year CAGR
22.92%
5-Year CAGR
13.82%
10-Year CAGR
15.33%
Benchmark
S&P 500 Index
Historical annualized returns as of August 2026. ETF investments are subject to market risks.
Top Holdings & Sector Allocation
As of September 2026, iShares Core S&P 500 (IVV)'s portfolio includes:
Top 5 Holdings
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
Sector Allocation
Information Technology 32.4%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%
Risk & Drawdowns
Standard deviation is ~15.0% over 3 years, perfectly mirroring the benchmark.
Experienced -33.8% drawdown during March 2020 and -23.9% in 2022.
Tax Treatment
Quarterly dividend distributions qualify predominantly for preferential qualified dividend tax rates.
Who Should NOT Invest in iShares Core S&P 500 (IVV)?
Short-term investors requiring immediate capital guarantees.
About the Fund Manager
Managed by BlackRock Fund Advisors portfolio management team.
Who Is This Fund Suitable For?
Ideal for retail investors, fee-based financial advisors, retirement portfolios, and taxable brokerage accounts seeking low-cost S&P 500 exposure backed by BlackRock.
More Funds from iShares & Similar Schemes
Similar Funds to Consider
- Vanguard S&P 500 ETF (VOO)
- SPDR Portfolio S&P 500 ETF (SPYM)
- SPDR S&P 500 ETF Trust (SPY)
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for iShares Core S&P 500 (IVV) Investors
- FIRE Calculator — Plan your retirement corpus with iShares Core S&P 500 (IVV) as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in iShares Core S&P 500 (IVV) could cost you
- SIP vs EMI Calculator — Compare investing in iShares Core S&P 500 (IVV) vs paying off loans
Frequently Asked Questions About iShares Core S&P 500 (IVV)
What is the historical SIP return of iShares Core S&P 500 (IVV)?
Based on the latest data, iShares Core S&P 500 (IVV) has delivered an annualized return (CAGR) of 22.92% over 3 years, 13.82% over 5 years, and 15.33% over 10 years. Experienced -33.8% drawdown during March 2020 and -23.9% in 2022.
How is iShares Core S&P 500 (IVV) SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in iShares Core S&P 500 (IVV) generate over 5 years?
At an estimated annual return rate of 13.82%, a monthly $500 investment ($30,000 total invested) would grow to approximately $43,382 in 5 years, yielding an estimated wealth gain of $13,382. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in iShares Core S&P 500 (IVV)?
iShares Core S&P 500 (IVV)'s top holdings include Microsoft Corp. (MSFT), Apple Inc. (AAPL), NVIDIA Corp. (NVDA), and Amazon.com Inc. (AMZN). The fund's sector allocation is Information Technology 32.4%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%.
What is the risk profile of iShares Core S&P 500 (IVV)?
Standard deviation is ~15.0% over 3 years, perfectly mirroring the benchmark. This fund may not be suitable for short-term investors requiring immediate capital guarantees..
What are the tax implications of investing in iShares Core S&P 500 (IVV)?
Quarterly dividend distributions qualify predominantly for preferential qualified dividend tax rates.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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