MBCC vs QQQ
Monarch Blue Chips Core Index 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 | MBCC | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 1.14% | 0.18% | |
| AUM | $184M | $455.8B | |
| Dividend Yield | 0.35% | 0.41% | |
| Holdings | 26 | 108 | |
| YTD Return | +7.90% | +18.31% | |
| 1Y Return | +13.18% | +25.37% | |
| 3Y Return (annualized) | +15.61% | +25.79% | |
| 5Y Return (annualized) | +8.49% | +15.20% | |
| Volatility (annualized) | 16.5% | 30.6% | |
| Max Drawdown | -30.6% | -83.0% | |
| Fund Family | Monarch Funds | Invesco (US) | |
| Category | Equity | Equity | |
| Inception | Mar 23, 2021 | Mar 10, 1999 |
MBCC vs QQQ Performance
Monarch Blue Chips Core Index ETF (MBCC) is a ETF from Monarch Funds and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year MBCC returned +13.18% while QQQ returned +25.37%. Year to date, MBCC is up 7.90% versus a gain of 18.31% for QQQ.
Over three years, MBCC compounded at +15.61% per year against +25.79% for QQQ; over five years the annualized figures are +8.49% and +15.20% respectively. Across the full 5-year window we track, QQQ has the edge at +13.10% annualized vs +9.79%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 16.5% for MBCC. 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 -30.6% for MBCC 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MBCC charges 1.14% per year while QQQ charges 0.18%. On a $10,000 position that is $114 vs $18 annually, a gap of $96 per year that compounds over a long holding period. On income, MBCC currently yields 0.35% against 0.41% for QQQ.
Holdings Overlap
MBCC and QQQ share 13 holdings out of 114 unique holdings combined, representing a 34.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MBCC or QQQ?
MBCC has an expense ratio of 1.14% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, MBCC or QQQ?
Over the past year MBCC returned +13.18% vs +25.37% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (5 years), MBCC annualized +9.79% vs +13.10% for QQQ. Past performance does not guarantee future results.
Which is riskier, MBCC or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 16.5% for MBCC. Worst drawdown: MBCC -30.6% vs QQQ -83.0%.
Should I hold both MBCC and QQQ?
MBCC and QQQ have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBCC and QQQ?
MBCC and QQQ share 13 common holdings with a 34.9% weight overlap. Combined, they hold 114 unique securities.
Which pays a higher dividend, MBCC or QQQ?
MBCC yields 0.35% while QQQ yields 0.41%, so QQQ currently pays the higher dividend yield.
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