What is the expense ratio of COWZ vs QQQ?

COWZ has an expense ratio of 0.49%, while QQQ has an expense ratio of 0.18%.

COWZ vs QQQ

Pacer US Cash Cows 100 ETF vs Invesco QQQ Trust

Last updated: 2026-04-10

Pacer US Cash Cows 100 ETF (COWZ) is an exchange-traded fund that provides exposure to us factor - cash flow securities. It charges an above-average expense ratio of 0.49%. The fund offers a moderate dividend yield of 2.08%. Launched in 2016, the fund has a 10-year track record.

AUM: $18.2B ER: 0.49% Yield: 2.08% Since: Dec 16, 2016

QQQ

Invesco QQQ Trust (QQQ) is an exchange-traded fund that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a moderate expense ratio of 0.18%. The fund offers a modest dividend yield of 0.46%. Launched in 1999, the fund has a 27-year track record.

AUM: $389.6B ER: 0.18% Yield: 0.46% Since: Mar 10, 1999

Quick Verdict

QQQ is significantly cheaper at 0.18% vs 0.49% expense ratio, saving you approximately $603 per $10,000 invested over 10 years. Over the past year, QQQ has significantly outperformed with a 36.8% return vs 26.9%. Income investors may prefer COWZ for its higher yield (2.1% vs 0.5%).

Key Metrics

Metric	COWZ	QQQ
Expense Ratio	0.49%	0.18%
Dividend Yield	2.1%	0.5%
Fund Family	N/A	N/A
Category	US Factor - Cash Flow	US Large Cap Growth

Performance Chart

Indexed to 100 at start (5-year comparison)

COWZ +49.1%

QQQ +81.2%

Performance Comparison

Period	COWZ	QQQ	Difference
1 Month	-1.38%	+0.41%	-1.79%
3 Months	+0.42%	-2.71%	+3.13%
6 Months	+10.37%	+1.36%	+9.01%
YTD	+2.83%	-0.48%	+3.31%
1 Year	+26.86%	+36.76%	-9.90%
3 Years	+29.94%	+93.20%	-63.26%
5 Years	+49.11%	+81.24%	-32.13%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment	Period	COWZ Fees	QQQ Fees	You Save
$10,000	10 years	$960	$357	$603
$10,000	20 years	$4,052	$1,529	$2,523
$10,000	30 years	$12,832	$4,912	$7,921
$50,000	10 years	$4,799	$1,786	$3,013
$50,000	30 years	$64,162	$24,558	$39,604
$100,000	30 years	$128,324	$49,116	$79,208

Risk Metrics

Based on 5 years of daily returns

Metric	COWZ	QQQ
Annualized Volatility	17.8%	22.4%
Max Drawdown	-22.6%	-35.6%
Sharpe Ratio	0.29	0.44

Dividend Comparison

Metric	COWZ	QQQ
Annual Dividend (per share)	$1.29	$2.81
Dividend Yield	2.08%	0.46%
Distribution Frequency	Quarterly	Quarterly

Top Holdings

0 of top 9 holdings overlap (0% overlap in top holdings)

COWZ Top Holdings

Name	Weight
ConocoPhillipsCOP	2.30%
Pfizer Inc.PFE	2.11%
Altria Group, Inc.MO	2.05%
AT&T Inc.T	2.02%
Bristol-Myers Squibb CompanyBMY	2.02%
Gilead Sciences, Inc.GILD	1.99%
Newmont CorporationNEM	1.99%
Booking Holdings Inc.BKNG	1.98%
Verizon Communications Inc.VZ	1.97%
Uber Technologies, Inc.UBER	1.97%

QQQ Top Holdings

Name	Weight
NVIDIA CorporationNVDA	8.67%
Apple Inc.AAPL	7.63%
Microsoft CorporationMSFT	5.56%
Amazon.com, Inc.AMZN	4.59%
Tesla, Inc.TSLA	3.54%
Walmart Inc.WMT	3.44%
Meta Platforms, Inc.META	3.39%
Alphabet Inc.GOOG	3.25%
Broadcom Inc.AVGO	2.99%

Which One Should You Choose?

Choose QQQ if...

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

Choose QQQ if...

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

Choose COWZ if...

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

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