QQQ vs XRLX
Invesco QQQ Trust, Series 1 vs FundX Conservative ETF
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 | XRLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 1.20% | |
| AUM | $496.3B | $50M | |
| Dividend Yield | 0.44% | 2.65% | |
| Holdings | 108 | 22 | |
| YTD Return | +16.64% | +6.41% | |
| 1Y Return | +27.27% | +11.53% | |
| 3Y Return (annualized) | +25.96% | - | |
| 5Y Return (annualized) | +14.54% | - | |
| Volatility (annualized) | 30.6% | 9.0% | |
| Max Drawdown | -83.0% | -15.3% | |
| Fund Family | Invesco (US) | Fund X | |
| Category | Equity | Allocation/Balanced | |
| Inception | Mar 10, 1999 | Oct 10, 2023 |
QQQ vs XRLX Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and FundX Conservative ETF (XRLX) is a ETF from Fund X. Over the past year QQQ returned +27.27% while XRLX returned +11.53%. Year to date, QQQ is up 16.64% versus a gain of 6.41% for XRLX.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 9.0% for XRLX. 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 -15.3% for XRLX. 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
QQQ charges 0.18% per year while XRLX charges 1.20%. On a $10,000 position that is $18 vs $120 annually, a gap of $102 per year that compounds over a long holding period. On income, QQQ currently yields 0.44% against 2.65% for XRLX.
Holdings Overlap
QQQ and XRLX share 0 holdings out of 122 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QQQ or XRLX?
QQQ has an expense ratio of 0.18% while XRLX charges 1.20%. QQQ is the cheaper option. On a $10,000 investment, that is $102 per year of difference.
Which performed better, QQQ or XRLX?
Over the past year QQQ returned +27.27% vs +11.53% for XRLX, so QQQ leads on 1-year performance. Over the longest common window we track (3 years), QQQ annualized +13.03% vs +13.78% for XRLX. Past performance does not guarantee future results.
Which is riskier, QQQ or XRLX?
QQQ has been the more volatile fund at 30.6% annualized versus 9.0% for XRLX. Worst drawdown: QQQ -83.0% vs XRLX -15.3%.
Should I hold both QQQ and XRLX?
QQQ and XRLX have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between QQQ and XRLX?
QQQ and XRLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 122 unique securities.
Which pays a higher dividend, QQQ or XRLX?
QQQ yields 0.44% while XRLX yields 2.65%, so XRLX currently pays the higher dividend yield.
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