QQQ vs SIFI
Invesco QQQ Trust, Series 1 vs Harbor Ares Systematic Multi-Sector Income ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. SIFI offers more diversification with 190 holdings.
Side-by-Side Comparison
| Metric | QQQ | SIFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.50% | |
| AUM | $496.3B | $34M | |
| Dividend Yield | 0.44% | 8.09% | |
| Holdings | 108 | 190 | |
| YTD Return | +16.64% | +1.85% | |
| 1Y Return | +27.27% | +5.27% | |
| 3Y Return (annualized) | +25.96% | +7.65% | |
| 5Y Return (annualized) | +14.54% | +2.42% | |
| Volatility (annualized) | 30.6% | 5.6% | |
| Max Drawdown | -83.0% | -14.7% | |
| Fund Family | Invesco (US) | Harbor Funds | |
| Category | Equity | Fixed Income | |
| Inception | Mar 10, 1999 | Sep 14, 2021 |
QQQ vs SIFI Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Harbor Ares Systematic Multi-Sector Income ETF (SIFI) is a ETF from Harbor Funds. Over the past year QQQ returned +27.27% while SIFI returned +5.27%. Year to date, QQQ is up 16.64% versus a gain of 1.85% for SIFI.
Over three years, QQQ compounded at +25.96% per year against +7.65% for SIFI; over five years the annualized figures are +14.54% and +2.42% respectively. Across the full 5-year window we track, QQQ has the edge at +13.03% annualized vs +2.42%. 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 5.6% for SIFI. 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 -14.7% for SIFI. 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while SIFI 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 8.09% for SIFI.
Holdings Overlap
QQQ and SIFI share 0 holdings out of 250 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QQQ or SIFI?
QQQ has an expense ratio of 0.18% while SIFI 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 SIFI?
Over the past year QQQ returned +27.27% vs +5.27% for SIFI, so QQQ leads on 1-year performance. Over the longest common window we track (5 years), QQQ annualized +13.03% vs +2.42% for SIFI. Past performance does not guarantee future results.
Which is riskier, QQQ or SIFI?
QQQ has been the more volatile fund at 30.6% annualized versus 5.6% for SIFI. Worst drawdown: QQQ -83.0% vs SIFI -14.7%.
Should I hold both QQQ and SIFI?
QQQ and SIFI have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQQ and SIFI?
QQQ and SIFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 250 unique securities.
Which pays a higher dividend, QQQ or SIFI?
QQQ yields 0.44% while SIFI yields 8.09%, so SIFI currently pays the higher dividend yield.
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