QQQ vs THTA
Invesco QQQ Trust, Series 1 vs SoFi Enhanced Yield ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | QQQ | THTA | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.61% | |
| AUM | $455.8B | $54M | |
| Dividend Yield | 0.41% | 11.12% | |
| Holdings | 108 | 10 | |
| YTD Return | +19.68% | +9.62% | |
| 1Y Return | +26.75% | +15.75% | |
| 3Y Return (annualized) | +26.25% | - | |
| 5Y Return (annualized) | +15.39% | - | |
| Volatility (annualized) | 30.6% | 13.4% | |
| Max Drawdown | -83.0% | -31.4% | |
| Fund Family | Invesco (US) | SoFi | |
| Category | Equity | Fixed Income | |
| Inception | Mar 10, 1999 | Nov 15, 2023 |
QQQ vs THTA Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and SoFi Enhanced Yield ETF (THTA) is a ETF from SoFi. Over the past year QQQ returned +26.75% while THTA returned +15.75%. Year to date, QQQ is up 19.68% versus a gain of 9.62% for THTA.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 13.4% for THTA. 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 -31.4% for THTA. 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while THTA charges 0.61%. On a $10,000 position that is $18 vs $61 annually, a gap of $43 per year that compounds over a long holding period. On income, QQQ currently yields 0.41% against 11.12% for THTA.
Holdings Overlap
QQQ and THTA share 0 holdings out of 108 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 THTA?
QQQ has an expense ratio of 0.18% while THTA charges 0.61%. QQQ is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, QQQ or THTA?
Over the past year QQQ returned +26.75% vs +15.75% for THTA, so QQQ leads on 1-year performance. Over the longest common window we track (3 years), QQQ annualized +13.15% vs +2.00% for THTA. Past performance does not guarantee future results.
Which is riskier, QQQ or THTA?
QQQ has been the more volatile fund at 30.6% annualized versus 13.4% for THTA. Worst drawdown: QQQ -83.0% vs THTA -31.4%.
Should I hold both QQQ and THTA?
QQQ and THTA have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQQ and THTA?
QQQ and THTA share 0 common holdings with a 0.0% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, QQQ or THTA?
QQQ yields 0.41% while THTA yields 11.12%, so THTA currently pays the higher dividend yield.
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