QQQ vs UFIV
Invesco QQQ Trust, Series 1 vs F/m US Treasury 5 Year Note ETF
Quick Verdict
UFIV has a lower expense ratio. QQQ delivered stronger 1-year returns. QQQ offers more diversification with 108 holdings.
Side-by-Side Comparison
| Metric | QQQ | UFIV | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.15% | |
| AUM | $496.3B | $31M | |
| Dividend Yield | 0.44% | 3.93% | |
| Holdings | 108 | 2 | |
| YTD Return | +16.64% | -0.60% | |
| 1Y Return | +27.27% | +1.22% | |
| 3Y Return (annualized) | +25.96% | +4.15% | |
| 5Y Return (annualized) | +14.54% | - | |
| Volatility (annualized) | 30.6% | 4.1% | |
| Max Drawdown | -83.0% | -5.6% | |
| Fund Family | Invesco (US) | US Benchmark Series | |
| Category | Equity | Fixed Income | |
| Inception | Mar 10, 1999 | Mar 28, 2023 |
QQQ vs UFIV Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and F/m US Treasury 5 Year Note ETF (UFIV) is a ETF from US Benchmark Series. Over the past year QQQ returned +27.27% while UFIV returned +1.22%. Year to date, QQQ is up 16.64% versus a loss of 0.60% for UFIV.
Over three years, QQQ compounded at +25.96% per year against +4.15% for UFIV. Across the full 3-year window we track, QQQ has the edge at +13.03% annualized vs +2.87%. 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 4.1% for UFIV. 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 -5.6% for UFIV. 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 0.17. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while UFIV charges 0.15%. On a $10,000 position that is $18 vs $15 annually, a gap of $3 per year that compounds over a long holding period. On income, QQQ currently yields 0.44% against 3.93% for UFIV.
Frequently Asked Questions
Which is cheaper, QQQ or UFIV?
QQQ has an expense ratio of 0.18% while UFIV charges 0.15%. UFIV is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, QQQ or UFIV?
Over the past year QQQ returned +27.27% vs +1.22% for UFIV, so QQQ leads on 1-year performance. Over the longest common window we track (3 years), QQQ annualized +13.03% vs +2.87% for UFIV. Past performance does not guarantee future results.
Which is riskier, QQQ or UFIV?
QQQ has been the more volatile fund at 30.6% annualized versus 4.1% for UFIV. Worst drawdown: QQQ -83.0% vs UFIV -5.6%.
Should I hold both QQQ and UFIV?
QQQ and UFIV have a monthly-return correlation of 0.17, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, QQQ or UFIV?
QQQ yields 0.44% while UFIV yields 3.93%, so UFIV currently pays the higher dividend yield.
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