LDRI vs QQQ
iShares iBonds 1-5 Year TIPS Ladder ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
LDRI has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | LDRI | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.18% | |
| AUM | $23M | $496.3B | |
| Dividend Yield | 5.02% | 0.44% | |
| Holdings | 26 | 108 | |
| YTD Return | +2.05% | +19.68% | |
| 1Y Return | +2.92% | +26.75% | |
| 3Y Return (annualized) | - | +26.25% | |
| 5Y Return (annualized) | - | +15.39% | |
| Volatility (annualized) | 1.7% | 30.6% | |
| Max Drawdown | -0.8% | -83.0% | |
| Fund Family | iShares by BlackRock (US) | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | Mar 10, 1999 |
LDRI vs QQQ Performance
iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) 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 LDRI returned +2.92% while QQQ returned +26.75%. Year to date, LDRI is up 2.05% versus a gain of 19.68% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 1.7% for LDRI. 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 -0.8% for LDRI 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 -0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDRI 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, LDRI currently yields 5.02% against 0.44% for QQQ.
Holdings Overlap
LDRI and QQQ share 0 holdings out of 125 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, LDRI or QQQ?
LDRI has an expense ratio of 0.10% while QQQ charges 0.18%. LDRI is the cheaper option. On a $10,000 investment, that is $8 per year of difference.
Which performed better, LDRI or QQQ?
Over the past year LDRI returned +2.92% vs +26.75% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), LDRI annualized +4.43% vs +13.15% for QQQ. Past performance does not guarantee future results.
Which is riskier, LDRI or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 1.7% for LDRI. Worst drawdown: LDRI -0.8% vs QQQ -83.0%.
Should I hold both LDRI and QQQ?
LDRI and QQQ have a monthly-return correlation of -0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDRI and QQQ?
LDRI and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 125 unique securities.
Which pays a higher dividend, LDRI or QQQ?
LDRI yields 5.02% while QQQ yields 0.44%, so LDRI currently pays the higher dividend yield.
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