OBIL vs QQQ
F/m US Treasury 12 Month Bill ETF vs Invesco QQQ Trust, Series 1
Which is better, OBIL or QQQ?
Short Term High Quality against Large Cap Growth.
OBIL has a lower expense ratio. QQQ led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | OBIL | QQQ |
|---|---|---|
| Expense Ratio | 0.15%Best | 0.18% |
| AUM | $310M | $483.5B |
| Dividend Yield | 3.93% | 0.44% |
| Holdings | 2 | 107 |
| YTD Return | +1.87% | +16.87%Best |
| 1Y Return | +3.11% | +22.98%Best |
| 3Y Return (annualized) | +4.39% | +24.98%Best |
| 5Y Return (annualized) | - | +14.39% |
| Volatility (annualized) | 0.7%Best | 18.3% |
| Max Drawdown | -0.3%Best | -22.8% |
| $10,000 over 3.8 years | $11,718 | $25,136Best |
| Fund Family | US Benchmark Series | Invesco (US) |
| Category | Fixed Income | Equity |
| Style | Short Term High Quality | Large Cap Growth |
| Inception | Nov 14, 2022 | Mar 10, 1999 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Nov 15, 2022 to Sep 11, 2026 (3.8 years).
OBIL vs QQQ growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
OBIL vs QQQ Performance
F/m US Treasury 12 Month Bill ETF (OBIL) is an ETF from US Benchmark Series and Invesco QQQ Trust, Series 1 (QQQ) is an ETF from Invesco (US). Over the past year OBIL returned +3.11% while QQQ returned +22.98%. Year to date, OBIL is up 1.87% versus a gain of 16.87% for QQQ.
Over three years, OBIL compounded at +4.39% per year against +24.98% for QQQ. Across the full 4-year window we track, QQQ has the edge at +27.45% annualized vs +4.26%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 18.3% compared with 0.7% for OBIL. 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 -0.3% for OBIL and -22.8% for QQQ. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.08. They move largely independently of each other.
Fees and Cost Over Time
OBIL 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, OBIL currently yields 3.93% against 0.44% for QQQ.
You are not choosing between two funds in isolation.
Whichever of OBIL and QQQ you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, OBIL or QQQ?
OBIL has an expense ratio of 0.15% while QQQ charges 0.18%. OBIL is the cheaper option, by $3 a year on a $10,000 investment.
Which performed better, OBIL or QQQ?
Over the past year OBIL returned +3.11% vs +22.98% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (4 years), OBIL annualized +4.26% vs +27.45% for QQQ. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OBIL or QQQ?
QQQ has been the more volatile fund at 18.3% annualized versus 0.7% for OBIL. Worst drawdown: OBIL -0.3% vs QQQ -22.8%.
Should I hold both OBIL and QQQ?
OBIL and QQQ have a monthly-return correlation of 0.08, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, OBIL or QQQ?
OBIL yields 3.93% while QQQ yields 0.44%, so OBIL currently pays the higher dividend yield.
Is QQQ better than OBIL?
OBIL has a lower expense ratio. QQQ led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.