JULJ vs VTI
Innovator Premium Income 30 Barrier ETF - July vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | JULJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $14M | $666.9B | |
| Dividend Yield | 4.45% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +0.38% | +13.14% | |
| 1Y Return | +1.17% | +22.35% | |
| 3Y Return (annualized) | +4.59% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 1.8% | 15.3% | |
| Max Drawdown | -12.7% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jul 3, 2023 | May 24, 2001 |
JULJ vs VTI Performance
Innovator Premium Income 30 Barrier ETF - July (JULJ) is a ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year JULJ returned +1.17% while VTI returned +22.35%. Year to date, JULJ is up 0.38% versus a gain of 13.14% for VTI.
Over three years, JULJ compounded at +4.59% per year against +21.83% for VTI. Across the full 3-year window we track, VTI has the edge at +8.09% annualized vs +0.24%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.8% for JULJ. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -12.7% for JULJ and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JULJ charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, JULJ currently yields 4.45% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, JULJ or VTI?
JULJ has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, JULJ or VTI?
Over the past year JULJ returned +1.17% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), JULJ annualized +0.24% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, JULJ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.8% for JULJ. Worst drawdown: JULJ -12.7% vs VTI -56.6%.
Should I hold both JULJ and VTI?
JULJ and VTI have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, JULJ or VTI?
JULJ yields 4.45% while VTI yields 1.07%, so JULJ currently pays the higher dividend yield.
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