QQQI vs XPAY: Yield, Cost and Returns Compared
As of Nov 7, 2026, XPAY yields more: 22.23% (dividend yield) against 15.42% for QQQI. XPAY is cheaper to own at 0.49% a year vs 0.68%. Over the same 2 years (Oct 2024 to Oct 2026), QQQI returned 16.3% a year with distributions reinvested, and XPAY 15.7%.
QQQINEOS NASDAQ-100(R) High Income ETF15.42%dividend yield
XPAYRoundhill S&P 500 Target 20 Managed Distribution ETF22.23%dividend yield| Compared | QQQI | XPAY |
|---|---|---|
| YieldDividend yield | 15.42% | 22.23% |
| Expense ratio | 0.68% | 0.49% |
| Total return, 1 yr | +7.1% | +11.1% |
| Worst drop since Oct 2024 | -8.2% | -7.7% |
| Share price since Oct 2024 | +2% | −12% |
| Pays | Monthly | Monthly |
| Issuer | Neos | Roundhill |
| Assets | $14.8B | $184.0M |
| Started | 2024 | 2024 |
| Type | Derivative Income | Derivative Income |
Higher yield
XPAY
22.23%
Lower cost
XPAY
0.49%
Better total return
QQQI
16.3%/yr
Smaller worst drop
XPAY
-7.7%
Key facts: QQQI vs XPAY
Data as of · Source: SmarterDividends data
- As of Nov 7, 2026, QQQI yields 15.42% (dividend yield) and XPAY yields 22.23% (dividend yield).
- QQQI's expense ratio is 0.68% and XPAY's is 0.49%: $68 vs $49 a year on $10,000.
- From Oct 2024 to Oct 2026, $10,000 in QQQI grew to $13,527 (16.3% a year) and $10,000 in XPAY to $13,388 (15.7% a year), distributions reinvested.
- Their worst month-end drops over that time: -8.2% for QQQI and -7.7% for XPAY.
- 0 of QQQI's top ten holdings are also in XPAY's top ten.
Cite this page
SmarterDividends, "QQQI vs XPAY: Yield, Cost and Returns Compared," updated Nov 7, 2026, https://smarterdividends.com/compare/qqqi-vs-xpay
$10,000 in each, Oct 2024 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
QQQI became
$13,527
16.3% a year
XPAY became
$13,388
15.7% a year
Top holdings
No overlap in the top ten.
QQQI
- AAPL Apple Inc8.1%
- NVDA NVIDIA Corp8.0%
- MSFT Microsoft Corp6.3%
- MU Micron Technology Inc4.5%
- AMZN Amazon.com Inc4.2%
- AMD Advanced Micro Devices Inc3.7%
- TSLA Tesla Inc3.4%
- META Meta Platforms Inc Class A3.0%
- WMT Walmart Inc2.7%
- GOOGL Alphabet Inc Class A2.6%
XPAY
- FGXXX First American Government Obligs X5.7%
QQQI vs XPAY: questions
Is QQQI or XPAY better?
It depends on the job. XPAY pays more today (22.23% vs 15.42%), XPAY costs less, and QQQI has the better total return over Oct 2024 to Oct 2026, with XPAY holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, QQQI or XPAY?
XPAY, at 22.23% against 15.42% for QQQI as of Nov 7, 2026. On $10,000 that's about $2,223 vs $1,542 a year at today's rates.
Which has the better total return?
QQQI. From Oct 2024 to Oct 2026, it returned 16.3% a year with distributions reinvested, against 15.7% for XPAY. $10,000 became $13,527 vs $13,388.
Which is cheaper, QQQI or XPAY?
XPAY, with a 0.49% expense ratio against 0.68%.
Do QQQI and XPAY hold the same things?
Not at the top: none of their top ten holdings match.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. XPAY leads on 4 of 5 measures above. For information only, not investment advice. Last fund data: Nov 7, 2026.