SCHX vs QQQ: which was the better investment?
Schwab U.S. Large-Cap ETF against Invesco QQQ Trust on real daily total-return data — every dividend reinvested, from Nov 3, 2009 to Jul 15, 2026.
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Frequently asked questions
Did SCHX beat QQQ?
No — measured from Nov 3, 2009 to Jul 15, 2026 with dividends reinvested, QQQ came out ahead: $202,004 versus $96,577 from a $10,000 start. That gap compounds from a 19.7% annual return against 14.5%.
What would $10,000 in SCHX be worth today?
$10,000 invested in Schwab U.S. Large-Cap ETF (SCHX) on Nov 3, 2009 would be worth about $96,577 as of Jul 15, 2026, a total return of 865.8% (14.5% per year). The same $10,000 in QQQ would be worth $202,004.
Which was riskier — SCHX or QQQ?
SCHX swung with an annualized volatility of 17.2% and a worst peak-to-trough drop of -34.3%; QQQ ran at 20.6% volatility with a -35.1% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.73 for SCHX vs 0.86 for QQQ.
What data is this comparison based on?
Daily adjusted closing prices covering Nov 3, 2009 through Jul 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with SCHX vs QQQ. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.