MYCF vs QQQ
State Street My2026 Corporate Bond ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
MYCF has a lower expense ratio. QQQ delivered stronger 1-year returns. MYCF offers more diversification with 111 holdings.
Side-by-Side Comparison
| Metric | MYCF | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.18% | |
| AUM | $48M | $496.3B | |
| Dividend Yield | 4.37% | 0.44% | |
| Holdings | 111 | 108 | |
| YTD Return | +2.54% | +16.64% | |
| 1Y Return | +4.34% | +27.27% | |
| 3Y Return (annualized) | - | +25.96% | |
| 5Y Return (annualized) | - | +14.54% | |
| Volatility (annualized) | 0.5% | 30.6% | |
| Max Drawdown | -0.6% | -83.0% | |
| Fund Family | State Street Investment Management | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 23, 2024 | Mar 10, 1999 |
MYCF vs QQQ Performance
State Street My2026 Corporate Bond ETF (MYCF) is a ETF from State Street Investment Management and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year MYCF returned +4.34% while QQQ returned +27.27%. Year to date, MYCF is up 2.54% versus a gain of 16.64% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 0.5% for MYCF. 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 -0.6% for MYCF 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 0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYCF charges 0.15% per year while QQQ charges 0.18%. On a $10,000 position that is $15 vs $18 annually, a gap of $3 per year that compounds over a long holding period. On income, MYCF currently yields 4.37% against 0.44% for QQQ.
Holdings Overlap
MYCF and QQQ share 0 holdings out of 131 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, MYCF or QQQ?
MYCF has an expense ratio of 0.15% while QQQ charges 0.18%. MYCF is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, MYCF or QQQ?
Over the past year MYCF returned +4.34% vs +27.27% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), MYCF annualized +4.60% vs +13.03% for QQQ. Past performance does not guarantee future results.
Which is riskier, MYCF or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 0.5% for MYCF. Worst drawdown: MYCF -0.6% vs QQQ -83.0%.
Should I hold both MYCF and QQQ?
MYCF and QQQ have a monthly-return correlation of 0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYCF and QQQ?
MYCF and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 131 unique securities.
Which pays a higher dividend, MYCF or QQQ?
MYCF yields 4.37% while QQQ yields 0.44%, so MYCF currently pays the higher dividend yield.
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