UJUN vs VTI
Innovator US Equity Ultra Buffer ETF - June vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | UJUN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $185M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 11 | 3,543 | |
| YTD Return | +4.95% | +14.22% | |
| 1Y Return | +8.39% | +22.19% | |
| 3Y Return (annualized) | +11.04% | +21.27% | |
| 5Y Return (annualized) | +6.34% | +12.23% | |
| Volatility (annualized) | 7.1% | 15.3% | |
| Max Drawdown | -13.7% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 31, 2019 | May 24, 2001 |
UJUN vs VTI Performance
Innovator US Equity Ultra Buffer ETF - June (UJUN) is a ETF from Innovator ETFs Trust and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UJUN returned +8.39% while VTI returned +22.19%. Year to date, UJUN is up 4.95% versus a gain of 14.22% for VTI.
Over three years, UJUN compounded at +11.04% per year against +21.27% for VTI; over five years the annualized figures are +6.34% and +12.23% respectively. Across the full 7-year window we track, VTI has the edge at +8.14% annualized vs +6.77%. 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 7.1% for UJUN. 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 -13.7% for UJUN 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
UJUN 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, UJUN currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
UJUN and VTI share 0 holdings out of 2784 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, UJUN or VTI?
UJUN 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, UJUN or VTI?
Over the past year UJUN returned +8.39% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), UJUN annualized +6.77% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, UJUN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.1% for UJUN. Worst drawdown: UJUN -13.7% vs VTI -56.6%.
Should I hold both UJUN and VTI?
UJUN and VTI have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between UJUN and VTI?
UJUN and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, UJUN or VTI?
UJUN yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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