QQQ vs TPHD
Invesco QQQ Trust, Series 1 vs Timothy Plan High Dividend Sock ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | QQQ | TPHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.52% | |
| AUM | $455.8B | $363M | |
| Dividend Yield | 0.41% | 1.97% | |
| Holdings | 108 | 101 | |
| YTD Return | +18.31% | +13.67% | |
| 1Y Return | +25.37% | +15.90% | |
| 3Y Return (annualized) | +25.79% | +13.11% | |
| 5Y Return (annualized) | +15.20% | +9.42% | |
| Volatility (annualized) | 30.6% | 16.8% | |
| Max Drawdown | -83.0% | -42.0% | |
| Fund Family | Invesco (US) | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Mar 10, 1999 | May 5, 2019 |
QQQ vs TPHD Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Timothy Plan High Dividend Sock ETF (TPHD) is a ETF from Timothy Plan. Over the past year QQQ returned +25.37% while TPHD returned +15.90%. Year to date, QQQ is up 18.31% versus a gain of 13.67% for TPHD.
Over three years, QQQ compounded at +25.79% per year against +13.11% for TPHD; over five years the annualized figures are +15.20% and +9.42% respectively. Across the full 7-year window we track, QQQ has the edge at +13.10% annualized vs +9.86%. 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 16.8% for TPHD. 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 -42.0% for TPHD. 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while TPHD charges 0.52%. On a $10,000 position that is $18 vs $52 annually, a gap of $34 per year that compounds over a long holding period. On income, QQQ currently yields 0.41% against 1.97% for TPHD.
Holdings Overlap
QQQ and TPHD share 11 holdings out of 192 unique holdings combined, representing a 4.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QQQ or TPHD?
QQQ has an expense ratio of 0.18% while TPHD charges 0.52%. QQQ is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, QQQ or TPHD?
Over the past year QQQ returned +25.37% vs +15.90% for TPHD, so QQQ leads on 1-year performance. Over the longest common window we track (7 years), QQQ annualized +13.10% vs +9.86% for TPHD. Past performance does not guarantee future results.
Which is riskier, QQQ or TPHD?
QQQ has been the more volatile fund at 30.6% annualized versus 16.8% for TPHD. Worst drawdown: QQQ -83.0% vs TPHD -42.0%.
Should I hold both QQQ and TPHD?
QQQ and TPHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQQ and TPHD?
QQQ and TPHD share 11 common holdings with a 4.8% weight overlap. Combined, they hold 192 unique securities.
Which pays a higher dividend, QQQ or TPHD?
QQQ yields 0.41% while TPHD yields 1.97%, so TPHD currently pays the higher dividend yield.
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