PINC vs QQQ
PGIM Securitized Income ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
QQQ has a lower expense ratio. PINC delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | PINC | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.18% | |
| AUM | $25M | $496.3B | |
| Dividend Yield | 0.77% | 0.44% | |
| Holdings | 106 | 108 | |
| YTD Return | -0.23% | +16.23% | |
| 1Y Return | +97.57% | +26.23% | |
| 3Y Return (annualized) | +30.11% | +25.75% | |
| 5Y Return (annualized) | +8.81% | +14.78% | |
| Volatility (annualized) | 32.9% | 30.6% | |
| Max Drawdown | -56.7% | -83.0% | |
| Fund Family | PGIM Investments | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 1, 2026 | Mar 10, 1999 |
PINC vs QQQ Performance
PGIM Securitized Income ETF (PINC) is a ETF from PGIM Investments and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year PINC returned +97.57% while QQQ returned +26.23%. Year to date, PINC is down 0.23% versus a gain of 16.23% for QQQ.
Over three years, PINC compounded at +30.11% per year against +25.75% for QQQ; over five years the annualized figures are +8.81% and +14.78% respectively. Across the full 13-year window we track, QQQ has the edge at +13.02% annualized vs +5.18%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.9% 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 -56.7% for PINC 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 0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PINC charges 0.39% per year while QQQ charges 0.18%. On a $10,000 position that is $39 vs $18 annually, a gap of $21 per year that compounds over a long holding period. On income, PINC currently yields 0.77% against 0.44% for QQQ.
Holdings Overlap
PINC and QQQ share 0 holdings out of 110 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, PINC or QQQ?
PINC has an expense ratio of 0.39% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $21 per year of difference.
Which performed better, PINC or QQQ?
Over the past year PINC returned +97.57% vs +26.23% for QQQ, so PINC leads on 1-year performance. Over the longest common window we track (13 years), PINC annualized +5.18% vs +13.02% for QQQ. Past performance does not guarantee future results.
Which is riskier, PINC or QQQ?
PINC has been the more volatile fund at 32.9% annualized versus 30.6% for QQQ. Worst drawdown: PINC -56.7% vs QQQ -83.0%.
Should I hold both PINC and QQQ?
PINC and QQQ have a monthly-return correlation of 0.13, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PINC and QQQ?
PINC and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, PINC or QQQ?
PINC yields 0.77% while QQQ yields 0.44%, so PINC currently pays the higher dividend yield.
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