TJUL vs VTI
Innovator Equity Defined Protection ETF - 2 Yr to July 2027 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 | TJUL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $116M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +3.08% | +13.14% | |
| 1Y Return | +5.55% | +22.35% | |
| 3Y Return (annualized) | +7.44% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 3.4% | 15.3% | |
| Max Drawdown | -4.6% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jul 18, 2023 | May 24, 2001 |
TJUL vs VTI Performance
Innovator Equity Defined Protection ETF - 2 Yr to July 2027 (TJUL) 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 TJUL returned +5.55% while VTI returned +22.35%. Year to date, TJUL is up 3.08% versus a gain of 13.14% for VTI.
Over three years, TJUL compounded at +7.44% per year against +21.83% for VTI. Across the full 3-year window we track, VTI has the edge at +8.09% annualized vs +6.81%. 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 3.4% for TJUL. 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 -4.6% for TJUL 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TJUL 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, TJUL currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, TJUL or VTI?
TJUL 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, TJUL or VTI?
Over the past year TJUL returned +5.55% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), TJUL annualized +6.81% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, TJUL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.4% for TJUL. Worst drawdown: TJUL -4.6% vs VTI -56.6%.
Should I hold both TJUL and VTI?
TJUL and VTI have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TJUL or VTI?
TJUL yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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