Overview
- Over the past year to Jan. 9, 2026, IVV returned 19.5% versus 14.1% for RSP, reflecting a narrow large-cap, tech-led advance.
- Market-cap S&P funds carry heavy megacap exposure, with Nvidia, Apple, and Microsoft exceeding 20% of VOO and Technology about 43% of IVV.
- RSP equal-weights all S&P 500 constituents, shifting weight away from Technology toward sectors like Industrials and Financials and keeping single names under roughly 0.3% each.
- The diversification trade-off includes a 0.20% expense ratio for RSP versus 0.03% for IVV, a slightly higher yield near 1.6% versus 1.2%, and a smaller five-year max drawdown.
- VTI offers total-market exposure across large-, mid-, and small-caps at a 0.03% fee, though recent small-cap lag has dragged performance versus S&P-only funds.