MBSF vs QQQ
REGAN FLOATING RATE MBS ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. MBSF offers more diversification with 388 holdings.
Side-by-Side Comparison
| Metric | MBSF | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.18% | |
| AUM | $235M | $455.8B | |
| Dividend Yield | 4.47% | 0.41% | |
| Holdings | 388 | 108 | |
| YTD Return | +2.37% | +19.68% | |
| 1Y Return | +5.14% | +26.75% | |
| 3Y Return (annualized) | - | +26.25% | |
| 5Y Return (annualized) | - | +15.39% | |
| Volatility (annualized) | 1.4% | 30.6% | |
| Max Drawdown | -1.0% | -83.0% | |
| Fund Family | Regan Capital | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 27, 2024 | Mar 10, 1999 |
MBSF vs QQQ Performance
REGAN FLOATING RATE MBS ETF (MBSF) is a ETF from Regan Capital and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year MBSF returned +5.14% while QQQ returned +26.75%. Year to date, MBSF is up 2.37% 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 1.4% for MBSF. 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 -1.0% for MBSF 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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSF charges 0.49% per year while QQQ charges 0.18%. On a $10,000 position that is $49 vs $18 annually, a gap of $31 per year that compounds over a long holding period. On income, MBSF currently yields 4.47% against 0.41% for QQQ.
Frequently Asked Questions
Which is cheaper, MBSF or QQQ?
MBSF has an expense ratio of 0.49% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, MBSF or QQQ?
Over the past year MBSF returned +5.14% vs +26.75% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (3 years), MBSF annualized +5.73% vs +13.15% for QQQ. Past performance does not guarantee future results.
Which is riskier, MBSF or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 1.4% for MBSF. Worst drawdown: MBSF -1.0% vs QQQ -83.0%.
Should I hold both MBSF and QQQ?
MBSF and QQQ have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, MBSF or QQQ?
MBSF yields 4.47% while QQQ yields 0.41%, so MBSF currently pays the higher dividend yield.
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