QQQ vs TPLE
Invesco QQQ Trust, Series 1 vs Timothy Plan US Large/Mid Core Enhanced ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. TPLE offers more diversification with 279 holdings.
Side-by-Side Comparison
| Metric | QQQ | TPLE | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.52% | |
| AUM | $496.3B | $18M | |
| Dividend Yield | 0.44% | 1.01% | |
| Holdings | 108 | 279 | |
| YTD Return | +16.23% | +9.29% | |
| 1Y Return | +26.23% | +7.09% | |
| 3Y Return (annualized) | +25.75% | +6.50% | |
| 5Y Return (annualized) | +14.78% | - | |
| Volatility (annualized) | 30.6% | 13.0% | |
| Max Drawdown | -83.0% | -21.6% | |
| Fund Family | Invesco (US) | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Mar 10, 1999 | Jul 28, 2021 |
QQQ vs TPLE Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Timothy Plan US Large/Mid Core Enhanced ETF (TPLE) is a ETF from Timothy Plan. Over the past year QQQ returned +26.23% while TPLE returned +7.09%. Year to date, QQQ is up 16.23% versus a gain of 9.29% for TPLE.
Over three years, QQQ compounded at +25.75% per year against +6.50% for TPLE. Across the full 4-year window we track, QQQ has the edge at +13.02% annualized vs +3.42%. 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 13.0% for TPLE. 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 -21.6% for TPLE. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while TPLE 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 0.44% against 1.01% for TPLE.
Frequently Asked Questions
Which is cheaper, QQQ or TPLE?
QQQ has an expense ratio of 0.18% while TPLE 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 TPLE?
Over the past year QQQ returned +26.23% vs +7.09% for TPLE, so QQQ leads on 1-year performance. Over the longest common window we track (4 years), QQQ annualized +13.02% vs +3.42% for TPLE. Past performance does not guarantee future results.
Which is riskier, QQQ or TPLE?
QQQ has been the more volatile fund at 30.6% annualized versus 13.0% for TPLE. Worst drawdown: QQQ -83.0% vs TPLE -21.6%.
Should I hold both QQQ and TPLE?
QQQ and TPLE have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, QQQ or TPLE?
QQQ yields 0.44% while TPLE yields 1.01%, so TPLE currently pays the higher dividend yield.
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