QQQ vs RILA
Invesco QQQ Trust, Series 1 vs Indexperts Gorilla Aggressive Growth ETF
Which is better, QQQ or RILA?
Large Cap Growth against Equity-oriented Balanced.
QQQ has a lower expense ratio. QQQ led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.90. RILA is less concentrated, with 37.4% of the fund in its ten largest positions against 47.2%.
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 | QQQ | RILA |
|---|---|---|
| Expense Ratio | 0.18%Best | 0.50% |
| AUM | $498.6B | $44M |
| Dividend Yield | 0.42% | 0.10% |
| Holdings | 321 | 342 |
| YTD Return | +22.95%Best | +9.86% |
| 1Y Return | +23.60%Best | +6.03% |
| 3Y Return (annualized) | +27.53% | - |
| 5Y Return (annualized) | +16.67% | - |
| Volatility (annualized) | 19.6% | 15.1%Best |
| Max Drawdown | -22.8% | -20.0%Best |
| $10,000 over 1.8 years | $14,962Best | $12,664 |
| Top 10 Weight | 47.2% | 37.4%Best |
| Fund Family | Invesco (US) | Indexperts |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Growth | Equity-oriented Balanced |
| Inception | Mar 10, 1999 | Dec 31, 2024 |
Volatility and max drawdown, and the $10,000 over 1.8 years row, are measured over the window both funds cover: Jan 2, 2025 to Oct 9, 2026 (1.8 years).
QQQ vs RILA 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 covers the 1.8 years both funds cover.
QQQ vs RILA Performance
Invesco QQQ Trust, Series 1 (QQQ) is an ETF from Invesco (US) and Indexperts Gorilla Aggressive Growth ETF (RILA) is an ETF from Indexperts. Over the past year QQQ returned +23.60% while RILA returned +6.03%. Year to date, QQQ is up 22.95% versus a gain of 9.86% for RILA.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 19.6% compared with 15.1% for RILA. 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 -22.8% for QQQ and -20.0% for RILA. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.90. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
QQQ charges 0.18% per year while RILA charges 0.50%. On a $10,000 position that is $18 vs $50 annually, a gap of $32 per year that compounds over a long holding period. On income, QQQ currently yields 0.42% against 0.10% for RILA.
Holdings Overlap
44.3% of QQQ's money is in holdings RILA also owns. 52.3% of RILA's money is in holdings QQQ also owns.
The two portfolios partly overlap.
35 positions in common, counted across the 102 positions we hold weights for in QQQ and 170 in RILA, against full books of 321 and 342.
What only one of them owns
Our book lists 131 positions for RILA that do not appear in our book for QQQ (46.4% of the fund), and 61 for QQQ that do not appear in RILA (53.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in QQQ | Weight in RILA | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.45% | 5.14% | 3.31% |
| AMZNAmazon.Com Inc | 4.41% | 3.65% | 0.76% |
| AVGOBroadcom Inc | 2.74% | 4.72% | 1.98% |
| MSFTMicrosoft Corp | 5.88% | 1.24% | 4.64% |
| TSLATesla Inc | 2.92% | 3.37% | 0.45% |
| PANWPalo Alto Networks, Inc | 1.19% | 4.20% | 3.01% |
| METAMeta Platforms Inc | 3.07% | 1.87% | 1.20% |
| PLTRPalantir Technologies Inc | 1.69% | 2.94% | 1.25% |
| KLACKla Corp | 1.04% | 2.81% | 1.77% |
| COSTCostco Wholesale Corp. | 1.77% | 2.01% | 0.24% |
52.3% of RILA is already inside QQQ.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, QQQ or RILA?
QQQ has an expense ratio of 0.18% while RILA charges 0.50%. QQQ is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, QQQ or RILA?
Over the past year QQQ returned +23.60% vs +6.03% for RILA, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), QQQ annualized +25.09% vs +14.02% for RILA. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, QQQ or RILA?
QQQ has been the more volatile fund at 19.6% annualized versus 15.1% for RILA. Worst drawdown: QQQ -22.8% vs RILA -20.0%.
Should I hold both QQQ and RILA?
QQQ and RILA have a monthly-return correlation of 0.90, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between QQQ and RILA?
52.3% of RILA's money is in holdings QQQ also owns. 52.3% of RILA's is in holdings QQQ also owns. They hold 35 positions in common, counted across the 102 positions we hold weights for in QQQ and 170 in RILA.
Which pays a higher dividend, QQQ or RILA?
QQQ yields 0.42% while RILA yields 0.10%, so QQQ currently pays the higher dividend yield.
Is RILA better than QQQ?
QQQ has a lower expense ratio. QQQ led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.90. RILA is less concentrated, with 37.4% of the fund in its ten largest positions against 47.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.