QQQ vs TPMN
Invesco QQQ Trust, Series 1 vs Timothy Plan Market Neutral ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. TPMN offers more diversification with 298 holdings.
Side-by-Side Comparison
| Metric | QQQ | TPMN | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.65% | |
| AUM | $496.3B | $31M | |
| Dividend Yield | 0.44% | 4.08% | |
| Holdings | 108 | 298 | |
| YTD Return | +19.52% | +2.40% | |
| 1Y Return | +26.68% | +4.75% | |
| 3Y Return (annualized) | +26.64% | - | |
| 5Y Return (annualized) | +15.36% | - | |
| Volatility (annualized) | 30.6% | 4.5% | |
| Max Drawdown | -83.0% | -5.1% | |
| Fund Family | Invesco (US) | Timothy Plan | |
| Category | Equity | Allocation/Balanced | |
| Inception | Mar 10, 1999 | Jan 24, 2023 |
QQQ vs TPMN Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Timothy Plan Market Neutral ETF (TPMN) is a ETF from Timothy Plan. Over the past year QQQ returned +26.68% while TPMN returned +4.75%. Year to date, QQQ is up 19.52% versus a gain of 2.40% for TPMN.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 4.5% for TPMN. 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 -5.1% for TPMN. 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 -0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while TPMN charges 0.65%. On a $10,000 position that is $18 vs $65 annually, a gap of $47 per year that compounds over a long holding period. On income, QQQ currently yields 0.44% against 4.08% for TPMN.
Frequently Asked Questions
Which is cheaper, QQQ or TPMN?
QQQ has an expense ratio of 0.18% while TPMN charges 0.65%. QQQ is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, QQQ or TPMN?
Over the past year QQQ returned +26.68% vs +4.75% for TPMN, so QQQ leads on 1-year performance. Over the longest common window we track (3 years), QQQ annualized +13.14% vs +4.14% for TPMN. Past performance does not guarantee future results.
Which is riskier, QQQ or TPMN?
QQQ has been the more volatile fund at 30.6% annualized versus 4.5% for TPMN. Worst drawdown: QQQ -83.0% vs TPMN -5.1%.
Should I hold both QQQ and TPMN?
QQQ and TPMN have a monthly-return correlation of -0.37, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, QQQ or TPMN?
QQQ yields 0.44% while TPMN yields 4.08%, so TPMN currently pays the higher dividend yield.
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