QQQ vs UDI
Invesco QQQ Trust, Series 1 vs USCF Dividend Income Fund
Which is better, QQQ or UDI?
Large Cap Growth against Large Cap Blend.
QQQ has a lower expense ratio. QQQ led over 1Y, 3Y and the full window. UDI is less concentrated, with 31.7% of the fund in its ten largest positions against 47.2%.
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 | UDI |
|---|---|---|
| Expense Ratio | 0.18%Best | 0.65% |
| AUM | $498.6B | $3M |
| Dividend Yield | 0.42% | 2.58% |
| Holdings | 321 | 43 |
| YTD Return | +24.32%Best | +12.43% |
| 1Y Return | +25.59%Best | +16.78% |
| 3Y Return (annualized) | +28.30%Best | +18.18% |
| 5Y Return (annualized) | +16.83% | - |
| Volatility (annualized) | 19.3% | 13.4%Best |
| Max Drawdown | -22.8% | -14.2%Best |
| $10,000 over 4.3 years | $25,227Best | $16,506 |
| Top 10 Weight | 47.2% | 31.7%Best |
| Fund Family | Invesco (US) | USCF Investments |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Mar 10, 1999 | Jun 8, 2022 |
Volatility and max drawdown, and the $10,000 over 4.3 years row, are measured over the window both funds cover: Jun 8, 2022 to Oct 6, 2026 (4.3 years).
QQQ vs UDI 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 covers the 4.3 years both funds cover.
QQQ vs UDI Performance
Invesco QQQ Trust, Series 1 (QQQ) is an ETF from Invesco (US) and USCF Dividend Income Fund (UDI) is an ETF from USCF Investments. Over the past year QQQ returned +25.59% while UDI returned +16.78%. Year to date, QQQ is up 24.32% versus a gain of 12.43% for UDI.
Over three years, QQQ compounded at +28.30% per year against +18.18% for UDI. Across the full 4-year window we track, QQQ has the edge at +24.01% annualized vs +12.36%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 19.3% compared with 13.4% 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 -22.8% for QQQ and -14.2% for UDI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.42. They move together some of the time, and apart the rest.
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 0.42% against 2.58% for UDI.
Holdings Overlap
4.2% of QQQ's money is in holdings UDI also owns. 12.2% of UDI's money is in holdings QQQ also owns.
UDI and QQQ share little of their money.
5 positions in common, counted across the 102 positions we hold weights for in QQQ and 43 in UDI, against full books of 321 and 43.
What only one of them owns
Our book lists 33 positions for UDI that do not appear in our book for QQQ (74.1% of the fund), and 91 for QQQ that do not appear in UDI (93.6%).
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.
You are not choosing between two funds in isolation.
Whichever of QQQ and UDI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $47 a year on a $10,000 investment.
Which performed better, QQQ or UDI?
Over the past year QQQ returned +25.59% vs +16.78% for UDI, so QQQ leads on 1-year performance. Over the longest common window we track (4 years), QQQ annualized +24.01% vs +12.36% for UDI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, QQQ or UDI?
QQQ has been the more volatile fund at 19.3% annualized versus 13.4% for UDI. Worst drawdown: QQQ -22.8% vs UDI -14.2%.
Should I hold both QQQ and UDI?
QQQ and UDI have a monthly-return correlation of 0.42, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between QQQ and UDI?
12.2% of UDI's money is in holdings QQQ also owns. 12.2% of UDI's is in holdings QQQ also owns. They hold 5 positions in common, counted across the 102 positions we hold weights for in QQQ and 43 in UDI.
Which pays a higher dividend, QQQ or UDI?
QQQ yields 0.42% while UDI yields 2.58%, so UDI currently pays the higher dividend yield.
Is UDI better than QQQ?
QQQ has a lower expense ratio. QQQ led over 1Y, 3Y and the full window. UDI is less concentrated, with 31.7% of the fund in its ten largest positions against 47.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.