LDDR vs QQQ
LifeX 2035 Income Bucket ETF 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 103 holdings.
Side-by-Side Comparison
| Metric | LDDR | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.18% | |
| AUM | $41M | $455.8B | |
| Dividend Yield | 12.63% | 0.41% | |
| Holdings | 42 | 108 | |
| YTD Return | -8.07% | +18.31% | |
| 1Y Return | -6.20% | +25.37% | |
| 3Y Return (annualized) | - | +25.79% | |
| 5Y Return (annualized) | - | +15.20% | |
| Volatility (annualized) | 4.3% | 30.6% | |
| Max Drawdown | -8.6% | -83.0% | |
| Fund Family | Stone Ridge Asset Management | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | Mar 10, 1999 |
LDDR vs QQQ Performance
LifeX 2035 Income Bucket ETF (LDDR) is a ETF from Stone Ridge Asset Management and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year LDDR returned -6.20% while QQQ returned +25.37%. Year to date, LDDR is down 8.07% versus a gain of 18.31% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 4.3% for LDDR. 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 -8.6% for LDDR 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 -0.06. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDDR charges 0.25% per year while QQQ charges 0.18%. On a $10,000 position that is $25 vs $18 annually, a gap of $7 per year that compounds over a long holding period. On income, LDDR currently yields 12.63% against 0.41% for QQQ.
Holdings Overlap
LDDR and QQQ share 0 holdings out of 131 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, LDDR or QQQ?
LDDR has an expense ratio of 0.25% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, LDDR or QQQ?
Over the past year LDDR returned -6.20% vs +25.37% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), LDDR annualized -1.20% vs +13.10% for QQQ. Past performance does not guarantee future results.
Which is riskier, LDDR or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 4.3% for LDDR. Worst drawdown: LDDR -8.6% vs QQQ -83.0%.
Should I hold both LDDR and QQQ?
LDDR and QQQ have a monthly-return correlation of -0.06, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDDR and QQQ?
LDDR and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 131 unique securities.
Which pays a higher dividend, LDDR or QQQ?
LDDR yields 12.63% while QQQ yields 0.41%, so LDDR currently pays the higher dividend yield.
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