저자: Steve · 외국인
요약 보기
QQQ, QQQM, IQQ 세 나스닥100 ETF를 비교. 보수율은 QQQ 0.18%, QQQM 0.15%, IQQ 0.10%(7/31까지 면제 후 0.12%)이며, AUM과 옵션 체인 유동성은 QQQ가 가장 크다. 주가는 QQQ 약 710달러, QQQM 약 292달러, IQQ 약 24~25달러로 소수점 매수로 큰 의미는 없다고 설명. 옵션 전략(커버드콜·현금담보풋)을 쓸 경우 QQQ가 유리하고, 장기 투자자는 QQQM, 옵션을 안 쓰면 IQQ도 선택지라고 제시. 말미에 유료 투자 로드맵·코칭 홍보.
다듬은 글
So, are you a beginner investor? Maybe you're 35, 40, 45, or 50 years old and you want to be responsible and diversify your portfolio, for example, into the technology sector, into a tech ETF. But now you ask, " Steve, which one is better?" QQQ, QQQM or IQQ? In this video, I will give a complete breakdown in a very simplified form of what the main differences and similarities are.
So that by the end of the video you have a 100% understanding of what is actually best for your portfolio. And remember, this is not financial advice. Make sure you always invest based on your own risk tolerance and do your own research. So, first of all, all three of these ETFs—QQQ, QQQM, and IQQ— track the Nasdaq 100 index.
If you go to a site like Yahoo Finance or whatever you usually use, click on the holdings section on the left, and you'll see all the companies in that fund. This includes companies like Nvidia, Apple, Microsoft, Amazon, Micron, AMD, etc. You can also notice all the percentages here. Nvidia makes up about 8% of QQQ, Apple about 7%, Microsoft about 5%, and Amazon about 4.83%.
If you compare this to another ETF, like QQQM, you 'll see that the asset mix is practically the same, right ? You see that Nvidia takes 8%, Apple—7.5%, Microsoft—5.71%, and so on. However, the main differences really come down to a few variables. The first is the expense ratio. The expense ratio is a percentage that shows us how much we have to pay annually just to own these ETFs.
The expense ratio for QQQ is 0.18%, meaning you pay about 18 cents on every $100 invested per year. QQQM's expense ratio is 0.15%, meaning you pay 15 cents on every $100 invested. And IQQ is a little different because it's a new ETF that tracks the Nasdaq 100, where you pay 0.10%, or 10 cents on every $100 invested.
However, this acts as a waiver of the commission until July 31st. This expense ratio will increase to 0.12%. Essentially, IQQ is a competitor, and iShares created this ETF to compete with Invesco's QQQ and QQQM. Again, Invesco, iShares, Vanguard, Fidelity—they're all big brokers, and they all create their own index funds, ETFs, or whatever, and they tend to create similar types of funds that compete with each other.
That's why there are a whole bunch of funds and ETFs that are essentially the same thing . They're just from different providers. QQQ is one of those "old-timers" among ETFs, existing since 1999. QQQM—somewhere in the middle. It was released in 2020, and IQQ literally appeared in 2026. And because of age and popularity, of course, you'll see that QQQ has a higher AUM.
It simply means assets under management. This just goes to show that many investors have put quite a bit of money into QQQ, where AUM is now around $481 billion, compared to QQQM, where it is $98.8 billion, and that's compared to IQQ, where AUM is around $25 million. The other main difference, besides expense ratios, AUM, and launch dates, is the share prices.
The QQQ stock price at the time of this video recording is around $710 per share. Yes, it is quite expensive. However, if you look at QQQM, one share is worth about $292. And if you look at IQQQ , one share costs about $24–25. However, I mean, it's 2026–2027 now. Does it matter much? Not really, because we now have many brokers that allow you to buy fractional shares.
So, if you decide to invest in QQQ, you can buy half a share or maybe a quarter of a share . You don't have to buy the full share for $710. Now, the next major differences between all three of these ETFs will be in their option chains. So if you are someone who likes to sell covered calls, cash-backed puts, maybe buy LEAPS options, or set up some spread, then this will be very important to you.
So when you go to a website, like Charles Schwab's thinkorswim platform, and you type in the ticker QQQ, you can see this little section that says " options chain," and you can expand it. Now you see: oh wow , there are a lot of expiration dates here . I know this is a beginner video and many of you probably don't know what covered call options, cash-backed put options, or expiration dates are.
If you do n't know, that's okay, you can watch my other videos on YouTube where I talk about income generating strategies that you can use in your portfolio to make money or hedge risks. But, in short, expiration simply shows when your contracts can expire or the dates you can choose for your contracts to expire.
It could be in 7 days , 14 days, 30 days, or even 600 days. So if you look at QQQ, you will of course see a lot of expiration dates . I don't want to count them all, but I'll say there are probably at least 20 or 30. And if you click on a random expiration date, like September 18th, and scroll down, you'll see a lot of different strike prices—prices at which you can sell your shares.
And if you look at the trading volume, you can see that there are about 1,300 contracts for the strike price of $710 and about 1,100 contracts for the strike price of $711. And even if you scroll down a little bit , you'll see that there are about 7,000 contracts for the strike price of $715. However, if you compare it not to QQQ, but to QQQM, you will see that the difference will be greater.
So, if you look at the options chain, instead of 20, 30, or 40 expiration dates, you will only see 10 dates for QQQM. Also, if I open a different expiration date, say September 18th, and compare them side by side, I will see far fewer options than in QQQ. And if you look at the volume, you will see a significant drop.
Instead of several thousand, there are only 25, or 22, or even 48 contracts. And if you go even further and compare that to IQQ, looking at the expiration dates and the option chain, you'll see about nine dates. And if you open the expiration date of September 18, look at the number of execution prices.
There are not many of them compared to QQQ and QQQM. And if you look at the volume, you will see that the contracts are hardly traded. And why? IQQ is a fairly new tool. Not many people really want to trade this ETF. It is not as popular as QQQ and QQQM. So why does the option chain really matter? Well, I mean, if you want to sell covered calls or cash-backed puts, execute such transactions, or want to hedge your portfolio in the future, then of course it is better to have more QQQ because it has a narrower spread between the bid and ask price, which means better prices when selling the contracts to others.
However, if you choose QQQM or even IQQ, where there are almost no active contracts, you will have a very difficult time finding a buyer if you try to sell those covered calls or cash-backed puts. And if you do find a buyer, the price will be significantly lower, so you won't get the best price for your premium.
So, what is best for whom ? Again , remember that there are always trade-offs in the stock market world. So, if you are willing to pay a higher expense ratio but want more opportunities to sell covered calls and cash-backed puts to earn higher premiums to offset that ratio, then QQQ is the best choice for you.
However, if you are a long-term investor and are hesitant about trading covered calls and cash-backed puts, you may want to consider QQQM. Or, if you say, "I do n't care at all about trading options, covered calls or cash-backed puts, " then you can safely choose IQQ, because, hey, just look at it. I mean, IQQ only costs what?
24, 25 dollars. It has a lower odds and is very easy for beginners. Now, if you are a complete newbie, trying to catch up on investing, and feel like you are way behind, that's okay. I have my own $ 1 investing roadmap where you get all my calculators, tutorials like the one you just saw in the video, as well as all my templates , e-books, and everything to help you get started investing, all in the roadmap.
Mai Mai had students like Diana who was able to use the roadmap to set up, automate, and diversify her portfolio in less than 14 days. Jerome, here he is, was a complete novice. He also thought it was too late to invest, but he and his wife just automated everything, and now their projected retirement portfolio size is $4.7 million.
Tina and her husband were also complete beginners, and now they have all the accounts set up. They receive about a few thousand dollars in dividends each quarter, and their portfolio is projected to be worth $5.2 million by the time they retire. So, if you want to get all my free resources, you can find them below.
And if you have a larger amount, perhaps $50,000 or $100,000 or more, you may even receive an invitation to our 5- day investment challenge. And if you still need help, you can sign up for a one- on-one strategy session with me or one of my team members, and we will provide you with actionable steps on how to move forward from where you are now.
And if you are interested, we can invite you to join our individual coaching program if it suits you. Write in the comments below which ETF is closer to you: QQQ, QQQM, or maybe IQQQ. Thanks for watching, see you in the next video. See you all.
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