SOFI vs QQQ: which was the better investment?
SoFi Technologies, Inc. against Invesco QQQ Trust on real daily total-return data — every dividend reinvested, from Jan 4, 2021 to Jul 16, 2026.
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Frequently asked questions
Did SOFI beat QQQ?
No — measured from Jan 4, 2021 to Jul 16, 2026 with dividends reinvested, QQQ came out ahead: $23,720 versus $14,545 from a $10,000 start. That gap compounds from a 16.9% annual return against 7.0%.
What would $10,000 in SOFI be worth today?
$10,000 invested in SoFi Technologies, Inc. (SOFI) on Jan 4, 2021 would be worth about $14,545 as of Jul 16, 2026, a total return of 45.5% (7.0% per year). The same $10,000 in QQQ would be worth $23,720.
Which was riskier — SOFI or QQQ?
SOFI swung with an annualized volatility of 72.1% and a worst peak-to-trough drop of -83.3%; QQQ ran at 22.5% volatility with a -35.1% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.07 for SOFI vs 0.66 for QQQ.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 4, 2021 through Jul 16, 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 SOFI 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.