MFUL vs QQQ
Mindful Conservative 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 | MFUL | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 1.48% | 0.18% | |
| AUM | $7M | $496.3B | |
| Dividend Yield | 2.41% | 0.44% | |
| Holdings | 17 | 108 | |
| YTD Return | +3.87% | +16.64% | |
| 1Y Return | +5.63% | +27.27% | |
| 3Y Return (annualized) | +5.53% | +25.96% | |
| 5Y Return (annualized) | - | +14.54% | |
| Volatility (annualized) | 4.9% | 30.6% | |
| Max Drawdown | -16.4% | -83.0% | |
| Fund Family | Mohr Funds | Invesco (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | Mar 10, 1999 |
MFUL vs QQQ Performance
Mindful Conservative ETF (MFUL) is a ETF from Mohr Funds and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year MFUL returned +5.63% while QQQ returned +27.27%. Year to date, MFUL is up 3.87% versus a gain of 16.64% for QQQ.
Over three years, MFUL compounded at +5.53% per year against +25.96% for QQQ. Across the full 5-year window we track, QQQ has the edge at +13.03% annualized vs +0.17%. 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 4.9% for MFUL. 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 -16.4% for MFUL 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MFUL charges 1.48% per year while QQQ charges 0.18%. On a $10,000 position that is $148 vs $18 annually, a gap of $130 per year that compounds over a long holding period. On income, MFUL currently yields 2.41% against 0.44% for QQQ.
Holdings Overlap
MFUL and QQQ share 0 holdings out of 117 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, MFUL or QQQ?
MFUL has an expense ratio of 1.48% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $130 per year of difference.
Which performed better, MFUL or QQQ?
Over the past year MFUL returned +5.63% vs +27.27% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (5 years), MFUL annualized +0.17% vs +13.03% for QQQ. Past performance does not guarantee future results.
Which is riskier, MFUL or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 4.9% for MFUL. Worst drawdown: MFUL -16.4% vs QQQ -83.0%.
Should I hold both MFUL and QQQ?
MFUL and QQQ have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MFUL and QQQ?
MFUL and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 117 unique securities.
Which pays a higher dividend, MFUL or QQQ?
MFUL yields 2.41% while QQQ yields 0.44%, so MFUL currently pays the higher dividend yield.
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