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. RILA is less concentrated, with 37.7% of the fund in its ten largest positions against 46.9%.
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 | $437.3B | $43M |
| Dividend Yield | 0.43% | 0.12% |
| Holdings | 208 | 344 |
| YTD Return | +12.98%Best | +7.03% |
| 1Y Return | +11.59%Best | +4.08% |
| 3Y Return (annualized) | +23.05% | - |
| 5Y Return (annualized) | +12.74% | - |
| Volatility (annualized) | 20.1% | 14.7%Best |
| Max Drawdown | -22.8% | -20.0%Best |
| $10,000 over 1.9 years | $13,746Best | $12,342 |
| Top 10 Weight | 46.9% | 37.7%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 1.9 years row, are measured over the window both funds cover: Jan 2, 2025 to Nov 11, 2026 (1.9 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 1.9 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 +11.59% while RILA returned +4.08%. Year to date, QQQ is up 12.98% versus a gain of 7.03% 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 20.1% compared with 14.7% 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 0.88. They usually move together, but the gap leaves some room for diversification.
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 0.43% against 0.12% for RILA.
Holdings Overlap
44.4% of QQQ's money is in holdings RILA also owns. 53.2% of RILA's money is in holdings QQQ also owns.
The two portfolios partly overlap.
35 positions in common, counted across the 101 positions we hold weights for in QQQ and 171 in RILA, against full books of 208 and 344.
What only one of them owns
Our book lists 132 positions for RILA that do not appear in our book for QQQ (45.5% of the fund), and 59 for QQQ that do not appear in RILA (52.8%).
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 | 8.05% | 5.09% | 2.96% |
| AMZNAmazon.Com Inc | 4.23% | 3.54% | 0.69% |
| MSFTMicrosoft Corp | 6.16% | 1.31% | 4.85% |
| AVGOBroadcom Inc | 2.52% | 4.42% | 1.90% |
| TSLATesla Inc | 2.93% | 3.31% | 0.38% |
| PANWPalo Alto Networks Inc. | 1.28% | 4.66% | 3.38% |
| METAMeta Platforms Inc | 3.37% | 2.08% | 1.29% |
| PLTRPalantir Technologies Inc. | 1.96% | 3.46% | 1.50% |
| COSTCostco Wholesale Corp. | 1.84% | 2.14% | 0.30% |
| KLACKla Corp. | 0.97% | 2.72% | 1.75% |
53.2% 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 +11.59% vs +4.08% for RILA, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), QQQ annualized +18.23% vs +11.71% 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 20.1% annualized versus 14.7% 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 0.88, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between QQQ and RILA?
53.2% of RILA's money is in holdings QQQ also owns. 53.2% of RILA's is in holdings QQQ also owns. They hold 35 positions in common, counted across the 101 positions we hold weights for in QQQ and 171 in RILA.
Which pays a higher dividend, QQQ or RILA?
QQQ yields 0.43% while RILA yields 0.12%, 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. RILA is less concentrated, with 37.7% of the fund in its ten largest positions against 46.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.