QQQ vs SFYX
Invesco QQQ Trust, Series 1 vs Sofi Next 500 ETF
Quick Verdict
SFYX has a lower expense ratio. QQQ delivered stronger 1-year returns. SFYX offers more diversification with 491 holdings.
Side-by-Side Comparison
| Metric | QQQ | SFYX | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $496.3B | $28M | |
| Dividend Yield | 0.44% | 1.39% | |
| Holdings | 108 | 491 | |
| YTD Return | +16.19% | +3.95% | |
| 1Y Return | +25.22% | +13.65% | |
| 3Y Return (annualized) | +25.47% | +14.58% | |
| 5Y Return (annualized) | +14.34% | +6.19% | |
| Volatility (annualized) | 30.6% | 20.9% | |
| Max Drawdown | -83.0% | -39.6% | |
| Fund Family | Invesco (US) | SoFi | |
| Category | Equity | Equity | |
| Inception | Mar 10, 1999 | Apr 10, 2019 |
QQQ vs SFYX Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Sofi Next 500 ETF (SFYX) is a ETF from SoFi. Over the past year QQQ returned +25.22% while SFYX returned +13.65%. Year to date, QQQ is up 16.19% versus a gain of 3.95% for SFYX.
Over three years, QQQ compounded at +25.47% per year against +14.58% for SFYX; over five years the annualized figures are +14.34% and +6.19% respectively. Across the full 7-year window we track, QQQ has the edge at +13.01% annualized vs +9.49%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 20.9% for SFYX. 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 -39.6% for SFYX. 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
QQQ charges 0.18% per year while SFYX charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, QQQ currently yields 0.44% against 1.39% for SFYX.
Holdings Overlap
QQQ and SFYX share 3 holdings out of 591 unique holdings combined, representing a 0.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QQQ or SFYX?
QQQ has an expense ratio of 0.18% while SFYX charges 0.06%. SFYX is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, QQQ or SFYX?
Over the past year QQQ returned +25.22% vs +13.65% for SFYX, so QQQ leads on 1-year performance. Over the longest common window we track (7 years), QQQ annualized +13.01% vs +9.49% for SFYX. Past performance does not guarantee future results.
Which is riskier, QQQ or SFYX?
QQQ has been the more volatile fund at 30.6% annualized versus 20.9% for SFYX. Worst drawdown: QQQ -83.0% vs SFYX -39.6%.
Should I hold both QQQ and SFYX?
QQQ and SFYX 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 QQQ and SFYX?
QQQ and SFYX share 3 common holdings with a 0.7% weight overlap. Combined, they hold 591 unique securities.
Which pays a higher dividend, QQQ or SFYX?
QQQ yields 0.44% while SFYX yields 1.39%, so SFYX currently pays the higher dividend yield.
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