IBIG vs QQQ
iShares iBonds Oct 2030 Term TIPS ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
IBIG has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | IBIG | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.18% | |
| AUM | $142M | $496.3B | |
| Dividend Yield | 5.52% | 0.44% | |
| Holdings | 6 | 108 | |
| YTD Return | +1.72% | +16.23% | |
| 1Y Return | +2.66% | +26.23% | |
| 3Y Return (annualized) | +5.64% | +25.75% | |
| 5Y Return (annualized) | - | +14.78% | |
| Volatility (annualized) | 3.9% | 30.6% | |
| Max Drawdown | -3.2% | -83.0% | |
| Fund Family | iShares by BlackRock (US) | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 19, 2023 | Mar 10, 1999 |
IBIG vs QQQ Performance
iShares iBonds Oct 2030 Term TIPS ETF (IBIG) is a ETF from iShares by BlackRock (US) and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year IBIG returned +2.66% while QQQ returned +26.23%. Year to date, IBIG is up 1.72% versus a gain of 16.23% for QQQ.
Over three years, IBIG compounded at +5.64% per year against +25.75% for QQQ. Across the full 3-year window we track, QQQ has the edge at +13.02% annualized vs +5.64%. 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 3.9% for IBIG. 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 -3.2% for IBIG 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 0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIG charges 0.10% per year while QQQ charges 0.18%. On a $10,000 position that is $10 vs $18 annually, a gap of $8 per year that compounds over a long holding period. On income, IBIG currently yields 5.52% against 0.44% for QQQ.
Holdings Overlap
IBIG and QQQ share 0 holdings out of 106 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, IBIG or QQQ?
IBIG has an expense ratio of 0.10% while QQQ charges 0.18%. IBIG is the cheaper option. On a $10,000 investment, that is $8 per year of difference.
Which performed better, IBIG or QQQ?
Over the past year IBIG returned +2.66% vs +26.23% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (3 years), IBIG annualized +5.64% vs +13.02% for QQQ. Past performance does not guarantee future results.
Which is riskier, IBIG or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 3.9% for IBIG. Worst drawdown: IBIG -3.2% vs QQQ -83.0%.
Should I hold both IBIG and QQQ?
IBIG and QQQ have a monthly-return correlation of 0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIG and QQQ?
IBIG and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, IBIG or QQQ?
IBIG yields 5.52% while QQQ yields 0.44%, so IBIG currently pays the higher dividend yield.
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