MBSX vs QQQ
Regan Fixed Rate MBS 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 108 holdings.
Side-by-Side Comparison
| Metric | MBSX | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.18% | |
| AUM | $19M | $496.3B | |
| Dividend Yield | 3.70% | 0.44% | |
| Holdings | 101 | 108 | |
| YTD Return | +1.49% | +16.64% | |
| 1Y Return | +5.87% | +27.27% | |
| 3Y Return (annualized) | - | +25.96% | |
| 5Y Return (annualized) | - | +14.54% | |
| Volatility (annualized) | 36.1% | 30.6% | |
| Max Drawdown | -27.6% | -83.0% | |
| Fund Family | Regan Capital | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2025 | Mar 10, 1999 |
MBSX vs QQQ Performance
Regan Fixed Rate MBS ETF (MBSX) is a ETF from Regan Capital and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year MBSX returned +5.87% while QQQ returned +27.27%. Year to date, MBSX is up 1.49% versus a gain of 16.64% for QQQ.
Risk: Volatility and Drawdowns
MBSX has been the more volatile fund, with annualized monthly volatility of 36.1% compared with 30.6% for QQQ. 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 -27.6% for MBSX 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSX charges 0.40% per year while QQQ charges 0.18%. On a $10,000 position that is $40 vs $18 annually, a gap of $22 per year that compounds over a long holding period. On income, MBSX currently yields 3.70% against 0.44% for QQQ.
Holdings Overlap
MBSX and QQQ share 0 holdings out of 105 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, MBSX or QQQ?
MBSX has an expense ratio of 0.40% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, MBSX or QQQ?
Over the past year MBSX returned +5.87% vs +27.27% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (1 years), MBSX annualized +8.00% vs +13.03% for QQQ. Past performance does not guarantee future results.
Which is riskier, MBSX or QQQ?
MBSX has been the more volatile fund at 36.1% annualized versus 30.6% for QQQ. Worst drawdown: MBSX -27.6% vs QQQ -83.0%.
Should I hold both MBSX and QQQ?
MBSX and QQQ have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBSX and QQQ?
MBSX and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, MBSX or QQQ?
MBSX yields 3.70% while QQQ yields 0.44%, so MBSX currently pays the higher dividend yield.
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