QQQ vs SCHH
QQQ vs SCHH
Invesco QQQ Trust, Series 1 vs Schwab US REIT ETF
Quick Verdict
SCHH has a lower expense ratio. QQQ delivered stronger 1-year returns. SCHH offers more diversification with 119 holdings.
Side-by-Side Comparison
| Metric | QQQ | SCHH | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.07% | |
| AUM | $455.8B | $11.7B | |
| Dividend Yield | 0.41% | 2.79% | |
| Holdings | 108 | 121 | |
| YTD Return | +18.34% | +17.23% | |
| 1Y Return | +28.94% | +18.49% | |
| 3Y Return (annualized) | +25.28% | +10.71% | |
| 5Y Return (annualized) | +15.22% | +3.32% | |
| Volatility (annualized) | 30.6% | 17.2% | |
| Max Drawdown | -83.0% | -44.2% | |
| Fund Family | Invesco (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 10, 1999 | Jan 13, 2011 |
QQQ vs SCHH Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and Schwab US REIT ETF (SCHH) is a ETF from Charles Schwab Asset Management. Over the past year QQQ returned +28.94% while SCHH returned +18.49%. Year to date, QQQ is up 18.34% versus a gain of 17.23% for SCHH.
Over three years, QQQ compounded at +25.28% per year against +10.71% for SCHH; over five years the annualized figures are +15.22% and +3.32% respectively. Across the full 16-year window we track, QQQ has the edge at +13.12% annualized vs +5.31%. 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 17.2% for SCHH. 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 -44.2% for SCHH. 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while SCHH charges 0.07%. On a $10,000 position that is $18 vs $7 annually, a gap of $11 per year that compounds over a long holding period. On income, QQQ currently yields 0.41% against 2.79% for SCHH.
Holdings Overlap
QQQ and SCHH share 0 holdings out of 222 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 SCHH?
QQQ has an expense ratio of 0.18% while SCHH charges 0.07%. SCHH is the cheaper option. On a $10,000 investment, that is $11 per year of difference.
Which performed better, QQQ or SCHH?
Over the past year QQQ returned +28.94% vs +18.49% for SCHH, so QQQ leads on 1-year performance. Over the longest common window we track (16 years), QQQ annualized +13.12% vs +5.31% for SCHH. Past performance does not guarantee future results.
Which is riskier, QQQ or SCHH?
QQQ has been the more volatile fund at 30.6% annualized versus 17.2% for SCHH. Worst drawdown: QQQ -83.0% vs SCHH -44.2%.
Should I hold both QQQ and SCHH?
QQQ and SCHH have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQQ and SCHH?
QQQ and SCHH share 0 common holdings with a 0.0% weight overlap. Combined, they hold 222 unique securities.
Which pays a higher dividend, QQQ or SCHH?
QQQ yields 0.41% while SCHH yields 2.79%, so SCHH currently pays the higher dividend yield.
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