저자: SimplyMoney채널진행자 · 외국인
요약 보기
QQQ와 GPIQ를 2023.12.4부터 백테스트 비교. 가격 기준 QQQ는 약 40.5% 상승, 재투자 시 QQQ가 GPIQ보다 약 2,149달러 앞섬. 인출 시나리오에서는 GPIQ 원금 가치가 더 높게 유지되나 QQQ가 약 1,564달러 앞섬. 영상 자체는 교육 목적이며 특정 매수·매도 권유 없음. 진행자는 QQQ 대신 SCHG를, GPIQ 대신 CHD를 보유한다고 밝힘.
다듬은 글
Imagine this. You could invest in the NASDAQ 100 like QQQ or you could get that same exposure plus steady monthly income. Enter GPIQ. Which one wins? Depends on whether you want growth, income, or both. Today, I'll help you decide. Stay tuned. Welcome back to Simply Money. If you're trying to build wealth and cash flow, today's video is for you.
We're comparing QQQ, the classic growth focused NASDAQ 100 ETF with GPIQ, which adds an income layer on top of the same tech heavy exposure. We'll look at returns, risk, yield, compounding potential, and which is better for different kinds of investors. Strap in. This could affect what you buy next.
Welcome to our new subscribers. I thank you for being part of our channel, for being part of this community. Today, we're looking at QQQ versus GPIQ. I've got a lot of requests wanting these types of comparisons on different funds where I look at a back test. We take what the fund has done since one of their inceptions until the current time.
GPIQ is much newer than QQQ. So, we are able to go back to December 4th of 2023. And that's where we pick up our comparison. It's the only way to do this. I can't go all the way back on QQQ obviously because there's no information, no data on GPIQ. So, this is where we pick up. I'm not cherry-picking.
It's me picking the stocks, the prices, and using the newest from its inception and comparing them from that point on. On the lefth hand column here, we have the month. We'll be looking at each month. Sometimes, like here, you have December twice because the January distributions and funds were paid at the end of December, an every four-week payer.
Oftent times that happens. QQQ. Here we have the price on December 4th, 2023 at $459. And we'll go down to the bottom. You can see as you scan through here, it's pretty much stayed between $4, got up to 522, and now we are sitting at 565. There's been some ups and downs. We can see here in April with the tariff scare, the end of March, early April, it dropped from the 522, a steady drop at the beginning of the year.
Since then, it's begin to rebound again. And going back for those who don't know, sorry about that, I skipped this part. The scenario that we're using is that on this date, we take $50,000 and we invest it. So with $50,000 divided by this share price, we're able to get 124.20 20 shares each month or each quarter depending on the fund.
When a distribution is given on this scenario here, December 4th, QQQ paid an 81 dividend times this number of shares, 124 gives us $100.35 dividend. What we're doing in this first scenario is we're reinvesting all dividends. This dividend is then divided by this price and that gives us 0.249 new shares.
So fractional share with the distribution reinvestment plan. We're able to go ahead and reinvest that and that adds us to the shares. Now we have 124.45 shares and brings us to the next month and so on and so on. So we do that throughout this entire fund. Looking down here, you can see that this is paying every quarter.
We got the 81 cents. Sometimes it paid a little more frequent. We had a special distribution there. We have March and then nothing. April, May, and we have June. So coming down when you average that out because you're not getting any distribution on two months out of the quarter. Your average monthly distribution is 25.
Your total shares have gone up to 125.57 from 12427. So you've only gained 1.37 shares. Haven't gained a lot. But this is a growth fund. It's not intended for income. It's not intended for redistribution, adding in more shares with that distribution. It's strictly focused on growth. As you can see, the share price has grown 40.5% since December 4th, 2023 up until August 1st, 2025.
Now, that brings our balance. We started at $50,000 on this column here. Brings our balance $71,26. It's a gain of $20,926 in this short period of time. A year and 8 months is what we're looking at, give or take. That's a nice growth factor there. You're seeing a lot of growth. Now, GPIQ is a higher yield.
I believe the yields around 8 to 10%. I'll have to double check that, but it's not one of these high-flying yields like ULTY or BTCI that we've looked at. This is more in lines with Jeep Q, Jeeppy, some of those QQQI. This is comparing in that realm. So, there's a mixture of getting some decent dividend and some growth as well.
That's the goal of this fund. Let's scroll over here. We'll look at GPIQ's price. It started out at $4324. You can see coming down again, we peaked here at about $48 and then it dropped a little bit. Then again, we peaked in the end of 2024 right at $49 almost $50 in this range. Again, same thing happened the beginning of the year of 2025 had a little drop.
We had the tariff fiasco and so we're dropping down to $44 here and now it's starting to climb back up and it did reach the $50 mark in July and it's hovering right around there now with this one because the share price is GPIQ is much less about a tenth of the price. You get 1156 shares. Don't let that confuse you.
You're still worth $50,000. The more shares you have doesn't mean your value is anymore. It's based on the number of shares times the share price. Just because you start with more shares doesn't mean it's any more valuable. We started $50,000. This paid a 38 cent share and as you can see it pays monthly.
That gave us on our first month a $433 distribution which we reinvested and gave us 10 more shares. And as we go down to the bottom here, we'll compare now looking here. We gained we're now up to 1374 shares. So, we gained 230 shares by reinvesting that distribution. The dividend has been growing from 433 and we got up to 527 555.
Now, we're up to $600 because you're buying more shares and the dividend per share is going up. So, you're getting more per distribution because you have more shares and a higher distribution. That's really nice with that. A lot of people think, well, the value must be down. and the actual holdings must be down.
We can see that the share price has done really well. It's up $6.70 since the beginning of this. So, we've gained share price. We're gaining shares. Our distribution is going up. We're averaging 41 a month per share. If you take all of those in average amount, the dividend total that's been paid and reinvested has been just under $11,000.
Our value ending is $69,000. So if you're comparing in this short time frame QQQ with GPIQ, bottom line is if you were to sell out of this and say, "Okay, I reinvested my dividends. I just got QQQ. Which one ended up better? I'm selling out is going to be QQQ. You're up $2,149 more by just getting the underlying QQQ and having the growth factor and not the dividends.
one, that's a short time frame. I'm not a buy and hold for a year and a half, two year person. For me, it's hard to really even look at that, say, I want to see what happens in 10 years. A lot of people think that gap's going to get even bigger, that QQQ will totally blow it away in 10 years and that you'll go ahead and you'd be better off buying and selling QQQ.
But there's also the factor I'm not a buy and sell. I plan on buying, holding, and then just living off distribution. So for me, I have a different plan for income. That is something I look at just forformational purposes here. This is not financial advice. This is for educationformational purposes only to give you back testing data for you to look at and make decisions based on what I'm showing you.
I'm not telling you to buy or not to buy. In fact, I don't own any of these. I don't own QQQ as my growth fund. I'm heavy in SCHG. That's me personally. what I decided to go in. I don't have GPIQ for income. I have CHD for stability and growth income. I have QQQI and SPYI for more aggressive yield income and with some slight upside growth.
And I also have just very small, as some of you that have watched my channel, ulty is an experimental high yield. I'm tracking it, showing it here on the channel. I'm not promoting it by any means. It's something I did as an experiment. A very, very small percentage of my portfolio. I don't own either one of these.
So, I'm not telling you to buy, not to buy. And I don't mean this dismissively. I don't care what you do. It's your money. Do what is best for you. Do what is aligned to your goals, your risk tolerance. I'm giving you this information. I enjoy doing these videos. It's educational for me. the more I dig into it and I enjoy sharing it with others and then answering and questions and dialoguing back and forth in the comments.
I appreciate that. If you have comments, leave that down below. Now, don't click off yet. This video is not over. We have the next comparison where we compare what if we take distributions instead of reinvesting. If you're younger and you're in your accumulation stage, you're reinvesting. you're either going for a growth fund like QQQ or you're reinvesting with GPIQ and just trying to build shares and grow your fund because you're in the accumulation phase.
But if you're in or near retirement, you're trying to get to financial independence, then perhaps you are going to be taking distribution. So, we're going to look at taking QQQ and selling it. And we're going to be taking GPIQ and taking the distribution, not reinvesting it. Let's see how we compare there.
Let's slide over here to our wonderful chart. If you like these charts, go ahead and give me a thumbs up down below. I appreciate the support. Leave me a comment. Give me a a heart in the comments. Says, "Help the logorithms." Those finicky little YouTube logorithms that determine whether we get to be seen by other people or not.
So, help other people get this video to see if they like it and they can make their decision if they like it or not. Appreciate any shares that you give me as well. QQQ with drawing. What we have to do here is we have GPIQ. This is the distribution. We're looking right here at the first month of $433.
So, in order to compare apples to apples, we need to take this amount and we need to withdraw that amount from QQQ. In order to do that, we have to sell this amount, $433 worth of shares, which is just a fraction. And on this one, it's just about one share as you can see cuz the share price was $4 and something, $433 give or take over there.
That's how we're comparing this. We have to sell down shares here to get the same amount of what this distribution will be. Now, if you look at these distributions on GPIQ, you can see they don't grow as fast. Remember, we ended at $67 when we're reinvesting. Here, we only have $5011. Why is that? because our share number is staying the same, that 1,166 shares we bought.
We still have that number. We haven't gained that 230 shares by reinvesting even though the distribution amount has gone up to 44 cents. The number of shares that we have hasn't gone up. So, we have gained some on our distribution, but not nearly as fast because we're not adding those exponential shares to it as well.
Now, when this is negative in the pink, that means that GPIQ is ahead. When it's green, it means QQQ is ahead. So, the first month, whoop-ded, one month. If you're comparing things and making decisions on investing over one month of data, then you're not an investor. Sorry, that's my opinion. I'm not trying to be mean.
You're a speculator. You're a trader. And that's fine if that's what you are. But investors are long-term. One month, one year, two years is not long-term investing. Again, everyone has to make their own decision what works best for them. I like buying and holding. I do sell stuff. You'll see in a video coming up where I've sold some of my SCHD to get in position for higher income and balancing that with some growth as well to keep in my retirement.
That growth element as my portfolio continues. I want to keep up with inflation. So, I need a higher value. I may have to sell some SCHG to help build up my income fund in 10 years if inflation deteriorates it too much. So, we'll be looking at that in another video. Here we go. Looking down, you can see in QQQ, we've sold down over this time frame just under 20 shares.
This total price, the balance at the end of that, we've been taking out on average $474 a month by selling shares. We're up still $9,000. So, we're taking a distribution of $475 and our value has gained $9,000. Now, with GPIQ, we've been getting that same $474 a month. We're not buying more shares and our share price has still gone up.
Our value, portfolio value has gone up to 5 $57,71. Now, QQQI is up $1664 on it, but we haven't sold down shares. That's again where people have their own opinion. What is your opinion? Do you prefer seeing that share quantity staying the same and having that some slight growth or do you prefer just take all the growth, take all the upside, take all the downside and QQQ, sell off shares?
What are you going to do? What is your preference? Leave me a comment down below. In this scenario, you can see that QQQ still ends up $1,564 ahead, but it's down. It's sold off almost 20 shares. How does this pan out in 5 years, 10 years? We don't know. Stay tuned. I hope you're around. I hope I'm around in five or 10 years.
still making content like this where we can look back at some of these funds with more data, more information, more back testing and say, "Hey, remember back in 2025 when we looked at this and GPIQ was down? Maybe it will be up. Maybe it'll be down by big time. Who knows? Maybe it'll be disappeared.
Maybe QQQ will be gone. Who knows? Those are the fun things about investing in the stock market. the funds that are driving QQQ in five and 10 years may not be the same funds instead of those high-flying tech stocks that are there now. There may be other stocks. I know from back when I was younger, I remember some of the big stocks, big names, Kodak, Sears, I talk about these a lot in some of my videos showing how big companies, no matter how strong and stable, can go away.
You we think Apple, Amazon, they're untouchable. Walmart, just untouchable. These retail giants. Well, back in the day, Kmart was a retail giant. Where's Kmart now? Sears was a retail giant. Where's Sears now? We don't know what the future will hold. That's why I like being diversified with ETFs because as big as Amazon, Walmart, these companies are.
All it takes is one bad move by a CEO or something that just throws the company into tail spin and it gets taken over and eaten up by other competitors. We don't know. So, we will see. This is today's video again comparing QQQ with GPIQ. If you like this video, please hit that like and subscribe button. Don't forget to leave me a comment and we'll see you next time on Simply Money.
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