You invest in QQQ regularly because of tech?
Many people assume: Nasdaq = tech, tech = QQQ. Take it one step further: a purer tech-sector ETF is VGT (Vanguard Information Technology). If you put the same amount into one of them, what exactly are you betting on?
Here’s what publicly available backtests show (Investment Visual, daily closing prices with dividends reinvested, through 2026-11-03):
· Annualized return over the past 10 years: VGT about 24.01%, QQQ about 20.47%—a gap of roughly 3.5 percentage points
· From the same starting line on 2004-01-30 to today: VGT about 14.72%, QQQ about 14.53%—virtually a tie
· $10,000 invested then would be worth today: about $228,000 in VGT, $219,000 in QQQ
· Expense ratio: VGT 0.09%, QQQ 0.18% (half as much)
· Across rolling 10-year periods: QQQ actually came out ahead about 53% of the time
A common misconception is treating “who performed better over the past decade” as “which one should I invest in going forward.” VGT has had the edge over the past decade, but over the full period since they both began, the two have been neck and neck; in rolling periods, QQQ often pulls ahead. The debate over which fund to choose often comes down to the end of the sample period, not an inherent structural advantage.
One level deeper: QQQ tracks the Nasdaq-100 (which includes non-tech sectors such as consumer stocks), while VGT tracks the information technology sector. Both sound tech-focused, but their risk exposures are not the same. Investing discipline answers “Should I keep contributing?”; “Which fund should I contribute to?” is another question—which are you betting on: a Nasdaq basket, or a more concentrated group of tech stocks?
Which side are you on? Sticking with QQQ, or taking a serious look at VGT?
(Personal observations based on public data; not investment advice.)
#定投 #ETF #USStocks
Many people assume: Nasdaq = tech, tech = QQQ. Take it one step further: a purer tech-sector ETF is VGT (Vanguard Information Technology). If you put the same amount into one of them, what exactly are you betting on?
Here’s what publicly available backtests show (Investment Visual, daily closing prices with dividends reinvested, through 2026-11-03):
· Annualized return over the past 10 years: VGT about 24.01%, QQQ about 20.47%—a gap of roughly 3.5 percentage points
· From the same starting line on 2004-01-30 to today: VGT about 14.72%, QQQ about 14.53%—virtually a tie
· $10,000 invested then would be worth today: about $228,000 in VGT, $219,000 in QQQ
· Expense ratio: VGT 0.09%, QQQ 0.18% (half as much)
· Across rolling 10-year periods: QQQ actually came out ahead about 53% of the time
A common misconception is treating “who performed better over the past decade” as “which one should I invest in going forward.” VGT has had the edge over the past decade, but over the full period since they both began, the two have been neck and neck; in rolling periods, QQQ often pulls ahead. The debate over which fund to choose often comes down to the end of the sample period, not an inherent structural advantage.
One level deeper: QQQ tracks the Nasdaq-100 (which includes non-tech sectors such as consumer stocks), while VGT tracks the information technology sector. Both sound tech-focused, but their risk exposures are not the same. Investing discipline answers “Should I keep contributing?”; “Which fund should I contribute to?” is another question—which are you betting on: a Nasdaq basket, or a more concentrated group of tech stocks?
Which side are you on? Sticking with QQQ, or taking a serious look at VGT?
(Personal observations based on public data; not investment advice.)
#定投 #ETF #USStocks
