What do the expense ratios of QQQM and VTI indicate?

QQQM has an expense ratio of 0.15%, while VTI charges 0.03%. This 0.12 percentage point difference reflects costs for managing the fund. Lower fees can enhance net returns over time, especially in long-term holdings, as less capital is deducted annually. These ratios are fixed, so higher costs reduce overall returns slightly each year.

How do these ETFs track their respective markets?

QQQM tracks the NASDAQ 100 Index, focusing on large-cap non-financial firms, especially technology. VTI mirrors the CRSP Total Market Index, covering the entire US equity market. Both provide diversified exposure, but VTI includes broader sectors and company sizes. QQQM tends to overweight growth and innovation-driven names, making it a thematic choice for tech-focused investors.

What are the primary holdings in both funds?

QQQM and VTI share several large tech companies such as NVDA, AAPL, MSFT, AMZN, and META in their top holdings. QQQM features these names in larger weights due to its growth focus. VTI spreads its holdings across the entire US market, diluting tech concentration and including industrials, healthcare, and consumer staples.

How do dividend yields of QQQM and VTI compare?

QQQM has a dividend yield of 0.43%, compared to VTI’s 1.02%. This reflects QQQM’s emphasis on growth companies that reinvest earnings rather than pay high dividends. VTI includes more income-generating firms across sectors. While neither is a primary income vehicle, VTI offers slightly higher distributions, supporting income-focused investors more directly.

Which investing goals are suited for QQQM versus VTI?

QQQM suits investors targeting growth in technology and innovation sectors. It's appropriate for those seeking potential capital appreciation. VTI is ideal for those wanting broad market exposure and long-term growth with stability. Its wide diversification makes it suitable for core portfolio holdings, while QQQM may serve as a satellite for sector-specific growth.

How do sector allocations affect the funds?

QQQM is heavily weighted toward technology and consumer discretionary due to the NASDAQ 100’s composition, increasing sensitivity to sector shifts. VTI reflects the broader market, including financials, energy, healthcare, and consumer staples, reducing reliance on any one sector. As a result, QQQM may perform differently in tech-led bull markets versus VTI's balanced approach.

Are sector weightings available for QQQM and VTI?

Sector weightings are not available for either QQQM or VTI in this comparison. While QQQM is known to be concentrated in technology due to tracking the NASDAQ 100, and VTI follows the broader US market, precise sector breakdowns would require external sources.

Can I use QQQM as a replacement for a total market ETF?

No. While QQQM offers significant scale, its focus on large-cap growth companies, especially in tech, excludes broad sectors like financials and utilities. VTI provides a diversified representation of the entire US stock market, making it a more comprehensive foundation. QQQM is typically used to complement a core holding like VTI.

What does net asset size mean for these ETFs?

Net assets show the total value of investments held by each fund. VTI has $692.2 billion, while QQQM holds $105.7 billion. Larger assets can provide liquidity and lower bid-ask spreads, making trading easier. However, size does not directly affect performance, tracking, or dividends, as both funds operate similarly.

What are the historical track records of QQQM and VTI?

VTI launched in May 2001, providing over two decades of performance history across various market environments. QQQM, with an inception date of October 2020, has a much shorter track record. Although VTI has a longer history, past performance does not guarantee future results. The limited history for QQQM means less data is available for long-term analysis.

QQQM vs VTI

Two funds, one decision: we compare cost, performance and what each ETF actually holds in September 2026.

Compare QQQM and VTI, analysing expense ratios of 0.15% versus 0.03%, net assets, and dividend yields. Review shared top holdings like NVDA and AAPL to understand how the Large Growth NASDAQ 100 ETF differs from the Large Blend Total Stock Market ETF in tracking their respective markets. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

QQQM

Metric

VTI

0.15%

Expense Ratio

0.03%

0.43%

Dividend Yield

1.02%

$105.70B

Net Assets

$692.20B

106

Holdings

3,514

Oct 13, 2020

Inception Date

May 24, 2001

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Index Tracked

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Large Growth

Fund Category

Large Blend

VTI costs about $12.00 less per year for every $10,000 invested.

Shared Top Holdings

Holding	QQQM	VTI
NVDANVIDIA Corporation	8.46%	6.87%
AAPLApple Inc.	7.89%	6.30%
MSFTMicrosoft Corporation	5.89%	5.10%
MUMicron Technology, Inc.	4.85%	1.46%
AMZNAmazon.com, Inc.	4.31%	3.41%
GOOGLAlphabet Inc.	3.22%	2.70%
METAMeta Platforms, Inc.	3.22%	1.70%
GOOGAlphabet Inc.	2.99%	2.12%
TSLATesla, Inc.	2.92%	1.40%

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Investment Analysis

QQQM

Pros

Invesco NASDAQ 100 ETF offers significant scale with net assets of 105.7 billion dollars.
It provides exposure to major technology and growth companies like NVDA and AAPL.
The fund has a solid issuer reputation within the large growth category.

Considerations

The expense ratio of 0.15 percent is higher than many comparable market-wide index funds.
Its dividend yield of 0.43 percent is relatively low for income-focused investors.
Sector weights are not available, limiting insight into specific industry concentration risks.

VTI

Pros

Vanguard Total Stock Market ETF maintains a very low expense ratio of 0.03 percent.
It offers broad market diversification across a wide range of large blend holdings.
The fund has a long inception date of May 2001, indicating established stability.

Considerations

Its dividend yield of 1.02 percent may be modest for high-income seekers.
Sector weights are not available, hindering detailed analysis of specific sector exposures.
Top holdings like NVDA and AAPL create some concentration similar to narrower funds.

About QQQM and VTI

QQQM (QQQM)

The Invesco NASDAQ 100 ETF (QQQM) aims to track the performance of the Nasdaq 100 Index, offering investors exposure to a concentrated basket of large-cap growth companies. As a cost-effective version of the well-known Nasdaq exposure, it typically features lower fees than its larger sibling, making it an attractive option for buy-and-hold strategies. The fund holds approximately 106 companies, heavily weighted towards the technology sector, but also including consumer services, health care, and industrials. With net assets exceeding $105 billion, it provides deep liquidity. While historically associated with strong growth during bullish market periods, investors should remember that the underlying companies are subject to market volatility. Values can rise and fall, and returns are not guaranteed. It suits those seeking broad exposure to major US tech and growth innovators, rather than personalised financial advice.

VTI (VTI)

This ETF offers broad exposure to the US equity market by tracking a comprehensive index of publicly traded companies. Designed as a large blend fund, it holds thousands of individual stocks, ranging from massive multinational corporations to smaller domestic firms. With an ultra-low expense ratio of 0.03%, it aims to provide cost-efficient long-term growth potential. The fund has a dividend yield of approximately 1.02%, reflecting the aggregate distributions from its holdings. Investors often consider this vehicle for core portfolio diversification, though it is essential to remember that stock market investments carry inherent risks, and values can fluctuate. Past performance is not indicative of future results, and returns are not guaranteed.

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QQQM vs VTI

Fund Snapshot