QQQ vs RILA
Invesco QQQ Trust, Series 1 vs Indexperts Gorilla Aggressive Growth ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. RILA offers more diversification with 172 holdings.
Side-by-Side Comparison
| Metric | QQQ | RILA | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.50% | |
| AUM | $496.3B | $46M | |
| Dividend Yield | 0.44% | 0.11% | |
| Holdings | 108 | 172 | |
| YTD Return | +17.89% | +8.17% | |
| 1Y Return | +26.35% | +9.26% | |
| 3Y Return (annualized) | +26.02% | - | |
| 5Y Return (annualized) | +14.59% | - | |
| Volatility (annualized) | 30.6% | 15.8% | |
| Max Drawdown | -83.0% | -20.0% | |
| Fund Family | Invesco (US) | Indexperts | |
| Category | Equity | Allocation/Balanced | |
| Inception | Mar 10, 1999 | Dec 31, 2024 |
QQQ vs RILA Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Indexperts Gorilla Aggressive Growth ETF (RILA) is a ETF from Indexperts. Over the past year QQQ returned +26.35% while RILA returned +9.26%. Year to date, QQQ is up 17.89% versus a gain of 8.17% for RILA.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 15.8% 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 -83.0% for QQQ and -20.0% for RILA. 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 0.93. 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 0.44% against 0.11% for RILA.
Holdings Overlap
QQQ and RILA share 35 holdings out of 237 unique holdings combined, representing a 33.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $32 per year of difference.
Which performed better, QQQ or RILA?
Over the past year QQQ returned +26.35% vs +9.26% for RILA, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), QQQ annualized +13.07% vs +14.02% for RILA. Past performance does not guarantee future results.
Which is riskier, QQQ or RILA?
QQQ has been the more volatile fund at 30.6% annualized versus 15.8% for RILA. Worst drawdown: QQQ -83.0% vs RILA -20.0%.
Should I hold both QQQ and RILA?
QQQ and RILA have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between QQQ and RILA?
QQQ and RILA share 35 common holdings with a 33.7% weight overlap. Combined, they hold 237 unique securities.
Which pays a higher dividend, QQQ or RILA?
QQQ yields 0.44% while RILA yields 0.11%, so QQQ currently pays the higher dividend yield.
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