NJUL vs VTI
Innovator Growth-100 Power Buffer 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 | NJUL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $268M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +6.95% | +14.82% | |
| 1Y Return | +10.99% | +22.43% | |
| 3Y Return (annualized) | +14.97% | +21.93% | |
| 5Y Return (annualized) | +10.68% | +12.34% | |
| Volatility (annualized) | 9.6% | 15.4% | |
| Max Drawdown | -14.4% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2020 | May 24, 2001 |
NJUL vs VTI Performance
Innovator Growth-100 Power Buffer ETF - July (NJUL) 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 NJUL returned +10.99% while VTI returned +22.43%. Year to date, NJUL is up 6.95% versus a gain of 14.82% for VTI.
Over three years, NJUL compounded at +14.97% per year against +21.93% for VTI; over five years the annualized figures are +10.68% and +12.34% respectively. Across the full 6-year window we track, NJUL has the edge at +10.89% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 9.6% 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 -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 0.88. 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 1.07% for VTI.
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. On a $10,000 investment, that is $76 per year of difference.
Which performed better, NJUL or VTI?
Over the past year NJUL returned +10.99% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), NJUL annualized +10.89% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, NJUL or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 9.6% for NJUL. Worst drawdown: NJUL -14.4% vs VTI -56.6%.
Should I hold both NJUL and VTI?
NJUL and VTI have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, NJUL or VTI?
NJUL yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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