FINS vs QQQ
Angel Oak Financial Strategies Income Term Trust vs Invesco QQQ Trust, Series 1
Quick Verdict
QQQ delivered stronger 1-year returns. FINS offers more diversification with 242 holdings.
Side-by-Side Comparison
| Metric | FINS | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | - | 0.18% | |
| AUM | $453M | $496.3B | |
| Dividend Yield | 10.24% | 0.44% | |
| Holdings | 242 | 108 | |
| YTD Return | +1.19% | +16.23% | |
| 1Y Return | +5.36% | +26.23% | |
| 3Y Return (annualized) | +13.16% | +25.75% | |
| 5Y Return (annualized) | +1.82% | +14.78% | |
| Volatility (annualized) | 10.5% | 30.6% | |
| Max Drawdown | -41.5% | -83.0% | |
| Fund Family | Angel Oak Capital Advisors | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 29, 2019 | Mar 10, 1999 |
FINS vs QQQ Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is a ETF from Angel Oak Capital Advisors and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year FINS returned +5.36% while QQQ returned +26.23%. Year to date, FINS is up 1.19% versus a gain of 16.23% for QQQ.
Over three years, FINS compounded at +13.16% per year against +25.75% for QQQ; over five years the annualized figures are +1.82% and +14.78% respectively. Across the full 7-year window we track, QQQ has the edge at +13.02% annualized vs +0.63%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 10.5% for FINS. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -41.5% for FINS and -83.0% for QQQ. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Holdings Overlap
FINS and QQQ share 0 holdings out of 169 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which performed better, FINS or QQQ?
Over the past year FINS returned +5.36% vs +26.23% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.63% vs +13.02% for QQQ. Past performance does not guarantee future results.
Which is riskier, FINS or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 10.5% for FINS. Worst drawdown: FINS -41.5% vs QQQ -83.0%.
Should I hold both FINS and QQQ?
FINS and QQQ have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINS and QQQ?
FINS and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 169 unique securities.
Which pays a higher dividend, FINS or QQQ?
FINS yields 10.24% while QQQ yields 0.44%, so FINS currently pays the higher dividend yield.
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