LOTI vs QQQ
Liberty One Tactical Income ETF vs Invesco QQQ Trust, Series 1
Which is better, LOTI or QQQ?
Tactical Allocation against Large Cap Growth.
QQQ has a lower expense ratio. QQQ led over 1Y. QQQ is less concentrated, with 46.5% of the fund in its ten largest positions against 52.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | LOTI | QQQ |
|---|---|---|
| Expense Ratio | 1.01% | 0.18%Best |
| AUM | $48M | $483.5B |
| Dividend Yield | 1.95% | 0.44% |
| Holdings | 35 | 107 |
| YTD Return | +2.67% | +21.18%Best |
| 1Y Return | +2.81% | +24.36%Best |
| 3Y Return (annualized) | - | +27.99% |
| 5Y Return (annualized) | - | +15.39% |
| Volatility (annualized) | 6.8%Best | 21.9% |
| Top 10 Weight | 52.0% | 46.5%Best |
| Fund Family | Liberty One Investment Management, LLC | Invesco (US) |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Growth |
| Inception | Sep 30, 2025 | Mar 10, 1999 |
Not shown on this pair: Max Drawdown, $10,000 over the window.
LOTI vs QQQ growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
LOTI vs QQQ Performance
Liberty One Tactical Income ETF (LOTI) is an ETF from Liberty One Investment Management, LLC and Invesco QQQ Trust, Series 1 (QQQ) is an ETF from Invesco (US). Over the past year LOTI returned +2.81% while QQQ returned +24.36%. Year to date, LOTI is up 2.67% versus a gain of 21.18% for QQQ.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 21.9% compared with 6.8% for LOTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.09. They move largely independently of each other.
Fees and Cost Over Time
LOTI charges 1.01% per year while QQQ charges 0.18%. On a $10,000 position that is $101 vs $18 annually, a gap of $83 per year that compounds over a long holding period. On income, LOTI currently yields 1.95% against 0.44% for QQQ.
Holdings Overlap
8.7% of LOTI's money is in holdings QQQ also owns. 12.8% of QQQ's money is in holdings LOTI also owns.
QQQ and LOTI share little of their money.
4 positions in common, counted across the 34 positions we hold weights for in LOTI and 102 in QQQ, against full books of 35 and 107.
What only one of them owns
Measured across the 34 and 102 positions we hold weights for.
QQQ holds 92 positions LOTI does not, 84.8% of the fund.
Largest: NVDA 8.44%, AAPL 7.27%, AMZN 4.67%, MU 4.43%, AMD 3.45%
You are not choosing between two funds in isolation.
Whichever of LOTI and QQQ you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, LOTI or QQQ?
LOTI has an expense ratio of 1.01% while QQQ charges 0.18%. QQQ is the cheaper option, by $83 a year on a $10,000 investment.
Which performed better, LOTI or QQQ?
Over the past year LOTI returned +2.81% vs +24.36% for QQQ, so QQQ leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LOTI or QQQ?
QQQ has been the more volatile fund at 21.9% annualized versus 6.8% for LOTI.
Should I hold both LOTI and QQQ?
LOTI and QQQ have a monthly-return correlation of 0.09, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between LOTI and QQQ?
12.8% of QQQ's money is in holdings LOTI also owns. 12.8% of QQQ's is in holdings LOTI also owns. They hold 4 positions in common, counted across the 34 positions we hold weights for in LOTI and 102 in QQQ.
Which pays a higher dividend, LOTI or QQQ?
LOTI yields 1.95% while QQQ yields 0.44%, so LOTI currently pays the higher dividend yield.
Is QQQ better than LOTI?
QQQ has a lower expense ratio. QQQ led over 1Y. QQQ is less concentrated, with 46.5% of the fund in its ten largest positions against 52.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.