Imagine this: you’ve got $10,000 burning a hole in your pocket, ready to invest in the NASDAQ. You open your brokerage app… and boom! Three ETFs are staring back at you: QQQM, QQQJ, and QQQI. They all track the NASDAQ in some way—but here’s the twist:
One could have doubled your money in just 5 years.
Another pays $1,330 every single month on that same $10k investment.
The third is betting on tomorrow’s Apple and Microsoft.
Three ETFs, three totally different strategies… and picking the wrong one could cost you thousands in missed gains. 😱
By the end of this article, you’ll know exactly which ETF suits your goals, whether it’s growth, income, or diversification.
QQQM – The Growth Powerhouse 💥
QQQM, the Invesco NASDAQ 100 ETF, launched in October 2020, now manages $63–68 billion in assets. This is your classic NASDAQ growth play, tracking the top 100 non-financial companies.
The stars? The Magnificent 7:
Nvidia: 9.58%
Apple: 8.25%
Microsoft: 8.24%
Broadcom: 5.83%
Amazon: 5.06%
The top 10 holdings make up over 52% of the fund—concentrated, yes, but during the AI boom of 2024–2025, that’s been rocket fuel.
📈 Performance snapshot:
5-year cumulative return: 115.35% → $10k → $21k
Annualized return: 17.03%
Dividend yield: 0.48% (pure growth play, low income)
If your goal is long-term tech growth, QQQM is your superstar.
QQQJ – The Ambitious Underdog 🌱
Next up, QQQJ, the Invesco NASDAQ Next Gen 100 ETF. It tracks companies ranked 101–200, basically the bench players waiting to shine.
Key stats:
Top holdings: Alnam Pharmaceuticals 3.3%, eBay 2.55%
Top 10 holdings = 19.81% of fund → super diversified
Sector focus: Healthcare 20.6%, IT 36.6%
Performance? Mixed:
Annualized return: 4.6–6.33% (slower growth)
Dividend yield: 0.78%
QQQJ is great for midcap exposure and diversification but won’t make you rich overnight. Think of it as a satellite holding—maybe 10–20% of your portfolio.
QQQI – The Income Innovator 💰
Now, here’s the game-changer: QQQI, launched January 2024. Same underlying stocks as QQQM—but with a covered call strategy generating massive income.
Here’s the magic: QQQI sells call options on the NASDAQ 100 stocks it owns. Those premiums? Paid directly to you monthly.
💸 QQQI numbers:
Annual yield: 13.3–13.98%
Monthly income on $10k: $110–$120 → $1,330–$1,440/year
Annualized return since launch: 21.08%
Less volatility (beta 0.86–0.88)
Yes, the upside is capped during strong bull markets, but if monthly cash flow and tax efficiency matter to you, this ETF is 🔥.
Quick Comparison Table – 2025 Edition
| ETF | Annualized Return | Dividend Yield | Beta (Volatility) | Top 10 Holdings |
|---|---|---|---|---|
| QQQM | 17.03% | 0.48% | 1.17 | 52% |
| QQQJ | 4.6–6.33% | 0.78% | 1.10–1.13 | 19.8% |
| QQQI | 21.08% | 13.3–13.98% | 0.86–0.88 | 52–54% |
Takeaways:
Growth: QQQM is king.
Diversification: QQQJ for midcaps and healthcare.
Income: QQQI is unbeatable for monthly cash flow.
How to Build Your Portfolio 💡
Growth-focused: 30% QQQM, 50% total US market ETF, 20% international equities.
Diversified midcap: Add 10–15% QQQJ for healthcare & next-gen companies.
Income-focused: $500k portfolio? $75k in QQQI for ~$10k annual income, $300k in QQQM for growth, $125k in bonds for stability.
⚠️ Risks You Must Know
QQQM & QQQI = high concentration → top 10 tech stocks dominate.
QQQJ = historical underperformance, more volatile midcaps.
QQQI = capped upside in bull markets but strong monthly income.
Your Move in 2025 🚀
So, which one is your perfect match?
Team QQQM: Long-term growth & tech lover?
Team QQQJ: Midcap diversification & healthcare fan?
Team QQQI: Monthly income & tax-efficient strategy?
Drop your pick in the comments 👇—let’s debate!
🔥 Ready to invest in these Nasdaq ETFs now? 🔥
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