PTL vs QQQ
Inspire 500 ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
PTL has a lower expense ratio. QQQ delivered stronger 1-year returns. PTL offers more diversification with 484 holdings.
Side-by-Side Comparison
| Metric | PTL | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.18% | |
| AUM | $912M | $496.3B | |
| Dividend Yield | 1.16% | 0.44% | |
| Holdings | 484 | 108 | |
| YTD Return | +14.46% | +16.23% | |
| 1Y Return | +20.92% | +26.23% | |
| 3Y Return (annualized) | - | +25.75% | |
| 5Y Return (annualized) | - | +14.78% | |
| Volatility (annualized) | 13.3% | 30.6% | |
| Max Drawdown | -19.7% | -83.0% | |
| Fund Family | Inspire ETFs | Invesco (US) | |
| Category | Equity | Equity | |
| Inception | Mar 25, 2024 | Mar 10, 1999 |
PTL vs QQQ Performance
Inspire 500 ETF (PTL) is a ETF from Inspire ETFs and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year PTL returned +20.92% while QQQ returned +26.23%. Year to date, PTL is up 14.46% versus a gain of 16.23% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 13.3% for PTL. 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 -19.7% for PTL 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PTL charges 0.09% per year while QQQ charges 0.18%. On a $10,000 position that is $9 vs $18 annually, a gap of $9 per year that compounds over a long holding period. On income, PTL currently yields 1.16% against 0.44% for QQQ.
Holdings Overlap
PTL and QQQ share 31 holdings out of 540 unique holdings combined, representing a 15.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PTL or QQQ?
PTL has an expense ratio of 0.09% while QQQ charges 0.18%. PTL is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, PTL or QQQ?
Over the past year PTL returned +20.92% vs +26.23% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), PTL annualized +17.20% vs +13.02% for QQQ. Past performance does not guarantee future results.
Which is riskier, PTL or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 13.3% for PTL. Worst drawdown: PTL -19.7% vs QQQ -83.0%.
Should I hold both PTL and QQQ?
PTL and QQQ have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTL and QQQ?
PTL and QQQ share 31 common holdings with a 15.7% weight overlap. Combined, they hold 540 unique securities.
Which pays a higher dividend, PTL or QQQ?
PTL yields 1.16% while QQQ yields 0.44%, so PTL currently pays the higher dividend yield.
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