QQQ's Nasdaq-100 structure returned ~513% over ten years at a 21% annualized rate, outpacing both SCHG (~449%) and VUG (~410%) across every measured window. SCHG uniquely reaches beyond mega-caps into AI-adjacent names like Palantir, Oklo, and Rocket Lab that QQQ and VUG largely miss. It sounds nuts, but SoFi1 is giving new Active Invest users up to $3,000 in stock for a limited time, and all it takes is a $50 deposit to get started.2 See for yourself (Sponsor) Three funds dominate the large-cap growth ETF category, each taking a different route to roughly the same destination.
Large-Cap Growth ETF (NYSEARCA:SCHG), the Vanguard Growth ETF (NYSEARCA:VUG), and the Invesco QQQ Trust (NASDAQ:QQQ) collectively anchor most retail growth portfolios, yet they differ in index construction, cost, structure, and concentration profile in ways that matter over a ten-year horizon. The question is which methodology best captures the next decade of returns from AI capital spending, cloud infrastructure, and the mega-cap platforms driving earnings growth. Based on ten-year performance, index design, and forward exposure to innovation, QQQ has a defensible claim as the winner, though SCHG and VUG each solve for problems QQQ does not.
Goldman Sachs Asset Management frames the current setup as an "uneasy equilibrium" where AI capex is compensating for weaker parts of the underlying economy. State Street's 2026 outlook expects roughly $2.1 trillion of inflows into U.S. ETFs this year, with growth and technology exposure absorbing a disproportionate share.
That backdrop rewards funds built around the companies actually funding the AI buildout rather than diluted large-cap baskets. Large-Cap Growth Total Stock Market Index is what SCHG tracks, pulling in a wider net of names than the Nasdaq-100. The fund holds roughly 200 positions with net assets of about $61 billion, and the top ten names account for around 57% of the portfolio.
The expense ratio is 0.04%, competitive with the category. SoFi Active Invest is offering a limited-time promotion. Open an account, fund it with $50 or more, and you could receive up to $3,000 in complimentary stock for Active Invest accounts.
See for yourself by clicking here now. Alongside NVIDIA at roughly 11%, Apple at near 10%, and Microsoft at about 7%, the fund also holds smaller AI-adjacent names such as Palantir at 1.25%, Arista Networks at 0.57%, and Astera Labs at 0.16%. It even includes early-stage exposure to nuclear and space through Oklo and Rocket Lab.
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