QQQ vs SPTU
Invesco QQQ Trust, Series 1 vs State Street SPDR Portfolio Ultra Short T-Bill ETF
Quick Verdict
SPTU has a lower expense ratio. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | QQQ | SPTU | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.05% | |
| AUM | $496.3B | $14M | |
| Dividend Yield | 0.44% | 2.65% | |
| Holdings | 108 | 42 | |
| YTD Return | +16.64% | +2.26% | |
| 1Y Return | +27.27% | - | |
| 3Y Return (annualized) | +25.96% | - | |
| 5Y Return (annualized) | +14.54% | - | |
| Volatility (annualized) | 30.6% | - | |
| Max Drawdown | -83.0% | -0.0% | |
| Fund Family | Invesco (US) | State Street Investment Management | |
| Category | Equity | Fixed Income | |
| Inception | Mar 10, 1999 | Oct 7, 2025 |
QQQ vs SPTU Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and State Street SPDR Portfolio Ultra Short T-Bill ETF (SPTU) is a ETF from State Street Investment Management. Year to date, QQQ is up 16.64% versus a gain of 2.26% for SPTU.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -83.0% for QQQ and -0.0% for SPTU. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
QQQ charges 0.18% per year while SPTU charges 0.05%. On a $10,000 position that is $18 vs $5 annually, a gap of $13 per year that compounds over a long holding period. On income, QQQ currently yields 0.44% against 2.65% for SPTU.
Holdings Overlap
QQQ and SPTU share 0 holdings out of 103 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 SPTU?
QQQ has an expense ratio of 0.18% while SPTU charges 0.05%. SPTU is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
What is the holdings overlap between QQQ and SPTU?
QQQ and SPTU share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, QQQ or SPTU?
QQQ yields 0.44% while SPTU yields 2.65%, so SPTU currently pays the higher dividend yield.
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