QQQ vs TOTR
QQQ vs TOTR
Invesco QQQ Trust, Series 1 vs T. Rowe Price Total Return ETF
Quick Verdict
QQQ has a lower expense ratio. QQQ delivered stronger 1-year returns. TOTR offers more diversification with 579 holdings.
Side-by-Side Comparison
| Metric | QQQ | TOTR | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.31% | |
| AUM | $455.8B | $574M | |
| Dividend Yield | 0.41% | 5.31% | |
| Holdings | 108 | 1,222 | |
| YTD Return | +18.20% | +0.11% | |
| 1Y Return | +27.63% | +2.69% | |
| 3Y Return (annualized) | +25.54% | +4.48% | |
| 5Y Return (annualized) | +15.12% | - | |
| Volatility (annualized) | 30.6% | 6.6% | |
| Max Drawdown | -83.0% | -19.6% | |
| Fund Family | Invesco (US) | T.Rowe Price | |
| Category | Equity | Fixed Income | |
| Inception | Mar 10, 1999 | Sep 28, 2021 |
QQQ vs TOTR Performance
Invesco QQQ Trust, Series 1 (QQQ) is a ETF from Invesco (US) and T. Rowe Price Total Return ETF (TOTR) is a ETF from T.Rowe Price. Over the past year QQQ returned +27.63% while TOTR returned +2.69%. Year to date, QQQ is up 18.20% versus a gain of 0.11% for TOTR.
Over three years, QQQ compounded at +25.54% per year against +4.48% for TOTR. Across the full 5-year window we track, QQQ has the edge at +13.11% annualized vs -0.38%. 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 6.6% for TOTR. 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 -19.6% for TOTR. 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQQ charges 0.18% per year while TOTR charges 0.31%. On a $10,000 position that is $18 vs $31 annually, a gap of $13 per year that compounds over a long holding period. On income, QQQ currently yields 0.41% against 5.31% for TOTR.
Holdings Overlap
QQQ and TOTR share 0 holdings out of 682 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 TOTR?
QQQ has an expense ratio of 0.18% while TOTR charges 0.31%. QQQ is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, QQQ or TOTR?
Over the past year QQQ returned +27.63% vs +2.69% for TOTR, so QQQ leads on 1-year performance. Over the longest common window we track (5 years), QQQ annualized +13.11% vs -0.38% for TOTR. Past performance does not guarantee future results.
Which is riskier, QQQ or TOTR?
QQQ has been the more volatile fund at 30.6% annualized versus 6.6% for TOTR. Worst drawdown: QQQ -83.0% vs TOTR -19.6%.
Should I hold both QQQ and TOTR?
QQQ and TOTR have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQQ and TOTR?
QQQ and TOTR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 682 unique securities.
Which pays a higher dividend, QQQ or TOTR?
QQQ yields 0.41% while TOTR yields 5.31%, so TOTR currently pays the higher dividend yield.
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