LIBD vs QQQ
LIBD vs QQQ
LifeX 2065 Inflation-Protected Longevity Income 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 | LIBD | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.18% | |
| AUM | $4M | $455.8B | |
| Dividend Yield | 11.80% | 0.41% | |
| Holdings | 20 | 108 | |
| YTD Return | -4.40% | +18.20% | |
| 1Y Return | -3.38% | +27.63% | |
| 3Y Return (annualized) | - | +25.54% | |
| 5Y Return (annualized) | - | +15.12% | |
| Volatility (annualized) | 7.8% | 30.6% | |
| Max Drawdown | -8.9% | -83.0% | |
| Fund Family | Stone Ridge Asset Management | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | Mar 10, 1999 |
LIBD vs QQQ Performance
LifeX 2065 Inflation-Protected Longevity Income ETF (LIBD) 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 LIBD returned -3.38% while QQQ returned +27.63%. Year to date, LIBD is down 4.40% versus a gain of 18.20% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 7.8% for LIBD. 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 -8.9% for LIBD 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 0.27. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LIBD 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, LIBD currently yields 11.80% against 0.41% for QQQ.
Holdings Overlap
LIBD and QQQ share 0 holdings out of 109 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, LIBD or QQQ?
LIBD 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, LIBD or QQQ?
Over the past year LIBD returned -3.38% vs +27.63% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), LIBD annualized -0.47% vs +13.11% for QQQ. Past performance does not guarantee future results.
Which is riskier, LIBD or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 7.8% for LIBD. Worst drawdown: LIBD -8.9% vs QQQ -83.0%.
Should I hold both LIBD and QQQ?
LIBD and QQQ have a monthly-return correlation of 0.27, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LIBD and QQQ?
LIBD and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 109 unique securities.
Which pays a higher dividend, LIBD or QQQ?
LIBD yields 11.80% while QQQ yields 0.41%, so LIBD currently pays the higher dividend yield.
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