HYIN vs QQQ
WisdomTree Private Credit & Alternative Income Fund vs Invesco QQQ Trust, Series 1
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | HYIN | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 4.34% | 0.18% | |
| AUM | $53M | $496.3B | |
| Dividend Yield | 13.56% | 0.44% | |
| Holdings | 33 | 108 | |
| YTD Return | -10.72% | +16.64% | |
| 1Y Return | -13.48% | +27.27% | |
| 3Y Return (annualized) | +1.16% | +25.96% | |
| 5Y Return (annualized) | -1.71% | +14.54% | |
| Volatility (annualized) | 18.1% | 30.6% | |
| Max Drawdown | -31.1% | -83.0% | |
| Fund Family | WisdomTree Investments | Invesco (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | May 6, 2021 | Mar 10, 1999 |
HYIN vs QQQ Performance
WisdomTree Private Credit & Alternative Income Fund (HYIN) is a ETF from WisdomTree Investments and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year HYIN returned -13.48% while QQQ returned +27.27%. Year to date, HYIN is down 10.72% versus a gain of 16.64% for QQQ.
Over three years, HYIN compounded at +1.16% per year against +25.96% for QQQ; over five years the annualized figures are -1.71% and +14.54% respectively. Across the full 5-year window we track, QQQ has the edge at +13.03% annualized vs -1.14%. 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 18.1% for HYIN. 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 -31.1% for HYIN 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
HYIN charges 4.34% per year while QQQ charges 0.18%. On a $10,000 position that is $434 vs $18 annually, a gap of $416 per year that compounds over a long holding period. On income, HYIN currently yields 13.56% against 0.44% for QQQ.
Holdings Overlap
HYIN and QQQ share 0 holdings out of 133 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HYIN or QQQ?
HYIN has an expense ratio of 4.34% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $416 per year of difference.
Which performed better, HYIN or QQQ?
Over the past year HYIN returned -13.48% vs +27.27% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (5 years), HYIN annualized -1.14% vs +13.03% for QQQ. Past performance does not guarantee future results.
Which is riskier, HYIN or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 18.1% for HYIN. Worst drawdown: HYIN -31.1% vs QQQ -83.0%.
Should I hold both HYIN and QQQ?
HYIN and QQQ have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYIN and QQQ?
HYIN and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 133 unique securities.
Which pays a higher dividend, HYIN or QQQ?
HYIN yields 13.56% while QQQ yields 0.44%, so HYIN currently pays the higher dividend yield.
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