PJUL vs VTI
Innovator US Equity 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 | PJUL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $1.3B | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +6.50% | +12.65% | |
| 1Y Return | +10.81% | +21.39% | |
| 3Y Return (annualized) | +13.27% | +21.54% | |
| 5Y Return (annualized) | +10.59% | +12.11% | |
| Volatility (annualized) | 8.4% | 15.3% | |
| Max Drawdown | -18.2% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Aug 7, 2018 | May 24, 2001 |
PJUL vs VTI Performance
Innovator US Equity Power Buffer ETF - July (PJUL) 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 PJUL returned +10.81% while VTI returned +21.39%. Year to date, PJUL is up 6.50% versus a gain of 12.65% for VTI.
Over three years, PJUL compounded at +13.27% per year against +21.54% for VTI; over five years the annualized figures are +10.59% and +12.11% respectively. Across the full 8-year window we track, PJUL has the edge at +8.93% annualized vs +8.07%. 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 8.4% for PJUL. 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 -18.2% for PJUL 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PJUL 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, PJUL currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, PJUL or VTI?
PJUL 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, PJUL or VTI?
Over the past year PJUL returned +10.81% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), PJUL annualized +8.93% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, PJUL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.4% for PJUL. Worst drawdown: PJUL -18.2% vs VTI -56.6%.
Should I hold both PJUL and VTI?
PJUL and VTI have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, PJUL or VTI?
PJUL yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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