AGGS vs QQQ
AGGS vs QQQ
Harbor Disciplined Bond ETF vs Invesco QQQ Trust, Series 1
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. AGGS offers more diversification with 145 holdings.
Side-by-Side Comparison
| Metric | AGGS | QQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.18% | |
| AUM | $39M | $455.8B | |
| Dividend Yield | 5.19% | 0.41% | |
| Holdings | 276 | 108 | |
| YTD Return | -0.20% | +12.48% | |
| 1Y Return | +3.48% | +22.35% | |
| 3Y Return (annualized) | - | +22.30% | |
| 5Y Return (annualized) | - | +14.24% | |
| Volatility (annualized) | 4.3% | 30.6% | |
| Max Drawdown | -4.6% | -83.0% | |
| Fund Family | Harbor Funds | Invesco (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2024 | Mar 10, 1999 |
AGGS vs QQQ Performance
Harbor Disciplined Bond ETF (AGGS) is a ETF from Harbor Funds and Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US). Over the past year AGGS returned +3.48% while QQQ returned +22.35%. Year to date, AGGS is down 0.20% versus a gain of 12.48% for QQQ.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 30.6% compared with 4.3% for AGGS. 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 -4.6% for AGGS and -83.0% for QQQ. 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGGS charges 0.35% per year while QQQ charges 0.18%. On a $10,000 position that is $35 vs $18 annually, a gap of $17 per year that compounds over a long holding period. On income, AGGS currently yields 5.19% against 0.41% for QQQ.
Holdings Overlap
AGGS and QQQ share 0 holdings out of 248 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, AGGS or QQQ?
AGGS has an expense ratio of 0.35% while QQQ charges 0.18%. QQQ is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, AGGS or QQQ?
Over the past year AGGS returned +3.48% vs +22.35% for QQQ, so QQQ leads on 1-year performance. Over the longest common window we track (2 years), AGGS annualized +5.01% vs +12.91% for QQQ. Past performance does not guarantee future results.
Which is riskier, AGGS or QQQ?
QQQ has been the more volatile fund at 30.6% annualized versus 4.3% for AGGS. Worst drawdown: AGGS -4.6% vs QQQ -83.0%.
Should I hold both AGGS and QQQ?
AGGS and QQQ have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGGS and QQQ?
AGGS and QQQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 248 unique securities.
Which pays a higher dividend, AGGS or QQQ?
AGGS yields 5.19% while QQQ yields 0.41%, so AGGS currently pays the higher dividend yield.
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