QQQ vs UDI
Invesco QQQ Trust, Series 1 vs USCF Dividend Income Fund
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 | UDI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.65% | |
| AUM | $496.3B | $4M | |
| Dividend Yield | 0.44% | 2.56% | |
| Holdings | 108 | 43 | |
| YTD Return | +16.64% | +18.48% | |
| 1Y Return | +27.27% | +25.66% | |
| 3Y Return (annualized) | +25.96% | +19.08% | |
| 5Y Return (annualized) | +14.54% | - | |
| Volatility (annualized) | 30.6% | 13.3% | |
| Max Drawdown | -83.0% | -14.2% | |
| Fund Family | Invesco (US) | USCF Investments | |
| Category | Equity | Equity | |
| Inception | Mar 10, 1999 | Jun 8, 2022 |
QQQ vs UDI Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and USCF Dividend Income Fund (UDI) is a ETF from USCF Investments. Over the past year QQQ returned +27.27% while UDI returned +25.66%. Year to date, QQQ is up 16.64% versus a gain of 18.48% for UDI.
Over three years, QQQ compounded at +25.96% per year against +19.08% for UDI. Across the full 4-year window we track, UDI has the edge at +14.17% annualized vs +13.03%. 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 13.3% for UDI. 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 -14.2% for UDI. 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while UDI 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 2.56% for UDI.
Holdings Overlap
QQQ and UDI share 5 holdings out of 138 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QQQ or UDI?
QQQ has an expense ratio of 0.18% while UDI 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 UDI?
Over the past year QQQ returned +27.27% vs +25.66% for UDI, so QQQ leads on 1-year performance. Over the longest common window we track (4 years), QQQ annualized +13.03% vs +14.17% for UDI. Past performance does not guarantee future results.
Which is riskier, QQQ or UDI?
QQQ has been the more volatile fund at 30.6% annualized versus 13.3% for UDI. Worst drawdown: QQQ -83.0% vs UDI -14.2%.
Should I hold both QQQ and UDI?
QQQ and UDI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQQ and UDI?
QQQ and UDI share 5 common holdings with a 0.1% weight overlap. Combined, they hold 138 unique securities.
Which pays a higher dividend, QQQ or UDI?
QQQ yields 0.44% while UDI yields 2.56%, so UDI currently pays the higher dividend yield.
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