QQQ vs SCHH
Invesco QQQ Trust, Series 1 vs Schwab US REIT ETF
Which is better, QQQ or SCHH?
Large Cap Growth against Mid Cap Blend.
SCHH has a lower expense ratio. QQQ led over 1Y, 3Y, 5Y and the full window. QQQ is less concentrated, with 46.7% of the fund in its ten largest positions against 51.2%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | QQQ | SCHH |
|---|---|---|
| Expense Ratio | 0.18% | 0.07%Best |
| AUM | $506.1B | $10.8B |
| Dividend Yield | 0.42% | 3.08% |
| Holdings | 321 | 120 |
| YTD Return | +19.30%Best | +8.22% |
| 1Y Return | +22.47%Best | +8.03% |
| 3Y Return (annualized) | +26.18%Best | +10.69% |
| 5Y Return (annualized) | +15.42%Best | +1.48% |
| Volatility (annualized) | 17.3% | 17.2%Best |
| Max Drawdown | -35.1%Best | -44.2% |
| $10,000 over 5 years | $20,484Best | $10,762 |
| Top 10 Weight | 46.7%Best | 51.2% |
| Fund Family | Invesco (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Mid Cap Blend |
| Inception | Mar 10, 1999 | Jan 13, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Jan 13, 2011 to Oct 14, 2026 (15.8 years).
QQQ vs SCHH growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
QQQ vs SCHH Performance
Invesco QQQ Trust, Series 1 (QQQ) is an ETF from Invesco (US) and Schwab US REIT ETF (SCHH) is an ETF from Charles Schwab Asset Management. Over the past year QQQ returned +22.47% while SCHH returned +8.03%. Year to date, QQQ is up 19.30% versus a gain of 8.22% for SCHH.
Over three years, QQQ compounded at +26.18% per year against +10.69% for SCHH; over five years the annualized figures are +15.42% and +1.48% respectively. Across the full 16-year window we track, QQQ has the edge at +17.87% annualized vs +4.71%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
QQQ has been the more volatile fund, with annualized monthly volatility of 17.3% 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 -35.1% for QQQ and -44.2% for SCHH. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.57. They move together some of the time, and apart the rest.
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 0.42% against 3.08% for SCHH.
Holdings Overlap
1.7% of QQQ's money is in holdings SCHH also owns. 0.1% of SCHH's money is in holdings QQQ also owns.
QQQ and SCHH share little of their money.
1 positions in common, counted across the 101 positions we hold weights for in QQQ and 119 in SCHH, against full books of 321 and 120.
What only one of them owns
Measured across the 101 and 119 positions we hold weights for.
QQQ holds 92 positions SCHH does not, 94.6% of the fund.
Largest: NVDA 8.33%, AAPL 7.35%, MSFT 5.76%, MU 5.02%, AMD 4.17%
Top Shared Holdings
| Stock | Weight in QQQ | Weight in SCHH | Difference |
|---|---|---|---|
| CTOCostco Wholesale Corp | 1.69% | 0.06% | 1.63% |
You are not choosing between two funds in isolation.
Whichever of QQQ and SCHH you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $11 a year on a $10,000 investment.
Which performed better, QQQ or SCHH?
Over the past year QQQ returned +22.47% vs +8.03% for SCHH, so QQQ leads on 1-year performance. Over the longest common window we track (16 years), QQQ annualized +17.87% vs +4.71% for SCHH. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, QQQ or SCHH?
QQQ has been the more volatile fund at 17.3% annualized versus 17.2% for SCHH. Worst drawdown: QQQ -35.1% vs SCHH -44.2%.
Should I hold both QQQ and SCHH?
QQQ and SCHH have a monthly-return correlation of 0.57, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between QQQ and SCHH?
1.7% of QQQ's money is in holdings SCHH also owns. 0.1% of SCHH's is in holdings QQQ also owns. They hold 1 positions in common, counted across the 101 positions we hold weights for in QQQ and 119 in SCHH.
Which pays a higher dividend, QQQ or SCHH?
QQQ yields 0.42% while SCHH yields 3.08%, so SCHH currently pays the higher dividend yield.
Is SCHH better than QQQ?
SCHH has a lower expense ratio. QQQ led over 1Y, 3Y, 5Y and the full window. QQQ is less concentrated, with 46.7% of the fund in its ten largest positions against 51.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.