IBIL vs QQQ
iShares iBonds Oct 2035 Term TIPS ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
IBIL has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | IBIL | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.18% | |
| AUM | $42M | $496.3B | |
| Dividend Yield | 6.48% | 0.44% | |
| Holdings | 3 | 108 | |
| YTD Return | +3.07% | +16.23% | |
| 1Y Return | +5.57% | +26.23% | |
| 3Y Return (annualized) | - | +25.75% | |
| 5Y Return (annualized) | - | +14.78% | |
| Volatility (annualized) | 3.4% | 30.6% | |
| Max Drawdown | -5.3% | -83.0% | |
| Fund Family | iShares by BlackRock (US) | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | Mar 10, 1999 |
IBIL vs QQQ Performance
iShares iBonds Oct 2035 Term TIPS ETF (IBIL) 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 IBIL returned +5.57% while QQQ returned +26.23%. Year to date, IBIL is up 3.07% versus a gain of 16.23% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 3.4% for IBIL. 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 -5.3% for IBIL 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIL 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, IBIL currently yields 6.48% against 0.44% for QQQ.
Holdings Overlap
IBIL and QQQ share 0 holdings out of 104 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, IBIL or QQQ?
IBIL has an expense ratio of 0.10% while QQQ charges 0.18%. IBIL is the cheaper option. On a $10,000 investment, that is $8 per year of difference.
Which performed better, IBIL or QQQ?
Over the past year IBIL returned +5.57% vs +26.23% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (1 years), IBIL annualized +6.68% vs +13.02% for QQQ. Past performance does not guarantee future results.
Which is riskier, IBIL or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 3.4% for IBIL. Worst drawdown: IBIL -5.3% vs QQQ -83.0%.
Should I hold both IBIL and QQQ?
IBIL and QQQ have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIL and QQQ?
IBIL and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 104 unique securities.
Which pays a higher dividend, IBIL or QQQ?
IBIL yields 6.48% while QQQ yields 0.44%, so IBIL currently pays the higher dividend yield.
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