QQQ vs UCBG
Invesco QQQ Trust, Series 1 vs State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF
Which is better, QQQ or UCBG?
Large Cap Growth against Equity-oriented Balanced.
UCBG has a lower expense ratio. UCBG is less concentrated, with 35.0% of the fund in its ten largest positions against 46.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | QQQ | UCBG |
|---|---|---|
| Expense Ratio | 0.18% | 0.06%Best |
| AUM | $437.3B | $2.4B |
| Dividend Yield | 0.43% | 0.09% |
| Holdings | 208 | 1,727 |
| YTD Return | +12.98%Best | -0.38% |
| 1Y Return | +11.59% | - |
| 3Y Return (annualized) | +23.05% | - |
| 5Y Return (annualized) | +12.74% | - |
| Top 10 Weight | 46.9% | 35.0%Best |
| Fund Family | Invesco (US) | State Street Investment Management |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Growth | Equity-oriented Balanced |
| Inception | Mar 10, 1999 | Sep 1, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
QQQ vs UCBG growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
QQQ vs UCBG Performance
Invesco QQQ Trust, Series 1 (QQQ) is an ETF from Invesco (US) and State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF (UCBG) is an ETF from State Street Investment Management. Year to date, QQQ is up 12.98% versus a loss of 0.38% for UCBG.
Past performance does not guarantee future results.
Fees and Cost Over Time
QQQ charges 0.18% per year while UCBG charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, QQQ currently yields 0.43% against 0.09% for UCBG.
Holdings Overlap
92.8% of QQQ's money is in holdings UCBG also owns. 49.6% of UCBG's money is in holdings QQQ also owns.
Most of QQQ is already inside UCBG. Owning both mostly buys the same companies twice.
86 positions in common, counted across the 101 positions we hold weights for in QQQ and 782 in UCBG, against full books of 208 and 1,727.
What only one of them owns
Our book lists 691 positions for UCBG that do not appear in our book for QQQ (48.0% of the fund), and 8 for QQQ that do not appear in UCBG (4.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in QQQ | Weight in UCBG | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.05% | 7.25% | 0.80% |
| AAPLApple Inc | 7.68% | 6.77% | 0.91% |
| MSFTMicrosoft Corp | 6.16% | 5.36% | 0.80% |
| AMZNAmazon.Com Inc | 4.23% | 3.38% | 0.85% |
| GOOGLAlphabet Inc | 3.15% | 2.76% | 0.39% |
| MUMicron Technology, Inc. | 4.47% | 1.40% | 3.07% |
| METAMeta Platforms Inc | 3.37% | 2.20% | 1.17% |
| AMDAdvanced Micro Devices Inc | 3.90% | 1.26% | 2.64% |
| GOOGAlphabet Inc. C | 2.93% | 2.21% | 0.72% |
| AVGOBroadcom Inc | 2.52% | 2.22% | 0.30% |
92.8% of QQQ is already inside UCBG.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, QQQ or UCBG?
QQQ has an expense ratio of 0.18% while UCBG charges 0.06%. UCBG is the cheaper option, by $12 a year on a $10,000 investment.
What is the holdings overlap between QQQ and UCBG?
92.8% of QQQ's money is in holdings UCBG also owns. 49.6% of UCBG's is in holdings QQQ also owns. They hold 86 positions in common, counted across the 101 positions we hold weights for in QQQ and 782 in UCBG.
Which pays a higher dividend, QQQ or UCBG?
QQQ yields 0.43% while UCBG yields 0.09%, so QQQ currently pays the higher dividend yield.
Is UCBG better than QQQ?
UCBG has a lower expense ratio. UCBG is less concentrated, with 35.0% of the fund in its ten largest positions against 46.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.