NJUL vs VTI
Innovator Growth-100 Power Buffer ETF - July vs Vanguard Morningstar Total Stock Market ETF
Which is better, NJUL or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | NJUL | VTI |
|---|---|---|
| Expense Ratio | 0.79% | 0.03%Best |
| AUM | $272M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 12 | 3,543 |
| YTD Return | +6.63% | +12.30%Best |
| 1Y Return | +9.24% | +16.08%Best |
| 3Y Return (annualized) | +14.45% | +21.01%Best |
| 5Y Return (annualized) | +10.70% | +12.36%Best |
| Volatility (annualized) | 9.5%Best | 15.7% |
| Max Drawdown | -14.4%Best | -25.4% |
| $10,000 over 5 years | $16,624 | $17,908Best |
| Fund Family | Innovator ETFs Trust | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Jun 30, 2020 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 1, 2020 to Sep 18, 2026 (6.2 years).
NJUL vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 6.2 years both funds cover.
NJUL vs VTI Performance
Innovator Growth-100 Power Buffer ETF - July (NJUL) is an ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year NJUL returned +9.24% while VTI returned +16.08%. Year to date, NJUL is up 6.63% versus a gain of 12.30% for VTI.
Over three years, NJUL compounded at +14.45% per year against +21.01% for VTI; over five years the annualized figures are +10.70% and +12.36% respectively. Across the full 6-year window we track, VTI has the edge at +16.43% annualized vs +10.66%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 9.5% for NJUL. 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 -14.4% for NJUL and -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NJUL 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, NJUL currently yields 0.00% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of NJUL and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, NJUL or VTI?
NJUL has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option, by $76 a year on a $10,000 investment.
Which performed better, NJUL or VTI?
Over the past year NJUL returned +9.24% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), NJUL annualized +10.66% vs +16.43% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, NJUL or VTI?
VTI has been the more volatile fund at 15.7% annualized versus 9.5% for NJUL. Worst drawdown: NJUL -14.4% vs VTI -25.4%.
Should I hold both NJUL and VTI?
NJUL and VTI have a monthly-return correlation of 0.88, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, NJUL or VTI?
NJUL yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than NJUL?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.