What is the expense ratio of BND vs QQQM?

BND has an expense ratio of 0.03%, while QQQM has an expense ratio of 0.15%.

BND vs QQQM

Vanguard Total Bond Market Index Fund vs Invesco NASDAQ 100 ETF

Last updated: 2026-04-02

BND Vanguard

Vanguard Total Bond Market Index Fund (BND) is an exchange-traded fund issued by Vanguard that provides exposure to the broad U.S. investment-grade bond market. It charges a very low expense ratio of 0.03%. The fund offers an attractive dividend yield of 3.92%. Launched in 2007, the fund has a 19-year track record.

AUM: $384.1B ER: 0.03% Yield: 3.92% Since: 2007-04-10

QQQM Invesco

Invesco NASDAQ 100 ETF (QQQM) is an exchange-traded fund issued by Invesco that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a low expense ratio of 0.15%. The fund offers a modest dividend yield of 0.53%. Launched in 2020, the fund has a 6-year track record.

AUM: N/A ER: 0.15% Yield: 0.53% Since: 2020-10-13

Quick Verdict

BND is significantly cheaper at 0.03% vs 0.15% expense ratio, saving you approximately $238 per $10,000 invested over 10 years. Over the past year, QQQM has significantly outperformed with a 22.5% return vs 0.3%. Income investors may prefer BND for its higher yield (3.9% vs 0.5%).

Key Metrics

Metric	BND	QQQM
Expense Ratio	0.03%	0.15%
Dividend Yield	3.9%	0.5%
Fund Family	Vanguard	Invesco
Category	US Aggregate Bond	US Large Cap Growth

Performance Chart

Indexed to 100 at start (5-year comparison)

BND -13.1%

QQQM +76.4%

Performance Comparison

Period	BND	QQQM	Difference
1 Month	-1.30%	-3.10%	+1.80%
3 Months	-0.61%	-4.91%	+4.30%
6 Months	-0.74%	-4.05%	+3.31%
YTD	-0.61%	-4.91%	+4.30%
1 Year	+0.29%	+22.47%	-22.18%
3 Years	-0.50%	+82.32%	-82.82%
5 Years	-13.09%	+76.37%	-89.46%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment	Period	BND Fees	QQQM Fees	You Save
$10,000	10 years	$60	$298	$238
$10,000	20 years	$258	$1,278	$1,020
$10,000	30 years	$835	$4,109	$3,274
$50,000	10 years	$299	$1,490	$1,190
$50,000	30 years	$4,176	$20,547	$16,371
$100,000	30 years	$8,352	$41,094	$32,742

Risk Metrics

Based on 5 years of daily returns

Metric	BND	QQQM
Annualized Volatility	6.0%	22.2%
Max Drawdown	-21.7%	-35.6%
Sharpe Ratio	-1.18	0.42

Dividend Comparison

Metric	BND	QQQM
Annual Dividend (per share)	$2.89	$1.27
Dividend Yield	3.92%	0.53%
Distribution Frequency	Monthly	Quarterly

Top Holdings

BND Top Holdings

Name	Weight
Vanguard Cmt Funds-Vanguard Market Liquidity Fund	114.21%
United States Treasury Note/Bond	37.98%

Which One Should You Choose?

Choose BND if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose QQQM if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

Choose BND if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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