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XTJL

GradeBChicago Board Options Exchange

Innovator U.S. Equity Accelerated Plus ETF - July

Accelerated Upside · Innovator · Inception 2021-07-01

$42.55−0.17 (−0.39%)

As of Sep 23, 2026, 2:19 PM EDT

Intraday session: down, 47 prints from 42.71 to 42.55. Range 42.47 to 42.67. Use the arrow keys to read each point.$42.45$42.50$42.60$42.6510 AM12 PM2 PM4 PM
Expense ratio
0.79%
Fund size
$17M
1Y return
+12.9%
Yield · Last 12 months
—
Holdings
5
Volume · 30D
0M sh
NAV per share
$42.27
52W range
low $36.81high $42.76

The ETF.net XTJL Grade

B

55/ 100

Rank 3 of 6 in S&P 500 Accelerated, 9-12% Buffer⁠

Confidence Low

Six-pillar profile for XTJL. Scores out of 100: Cost 58, Risk 40, Mission not scored, Tradability 69, Holdings 60, Durability 44. Strongest: Tradability (69). Weakest: Risk (40). Based on 5 of 6 pillars.
F< 25
D≥ 25
C≥ 40
B≥ 55
A≥ 70

Score 55 of 100 sits in the B band. Bands: A ≥ 70, B ≥ 55, C ≥ 40, D ≥ 25, F < 25; the scale skips E.

  • Cost

    What you pay to own it — the expense ratio plus trading frictions, ranked within its category.
    BScore 58
    Category rank5/6 · bottom quartile

  • Mission

    How faithfully it does the job it claims — tracking its mandate or index with minimal slippage.
    Not scored
    —

  • Risk

    How violently it can move — volatility, drawdown depth, and downside capture versus its category.
    CScore 40
    Category rank5/5 · bottom quartile

  • Tradability

    How cheaply and easily you can get in and out — liquidity, spread, and premium/discount stability.
    BScore 69
    Category rank2/6 · top 33%

  • Holdings

    What it actually owns — the quality, breadth, and concentration of the underlying portfolio.
    BScore 60
    Category rank2/3 · mid-pack

  • Durability

    Whether it will still be here — the fund’s assets, age, flows, and issuer staying power.
    CScore 44
    Category rank5/6 · bottom quartile

Graded as of Sep 22, 2026 · Based on 5 of 6 pillars

Our read on XTJL

ETF.net Research

BThe no-airbag option in the defined-outcome world: triple the rise of an S&P 500 ETF up to a preset cap, one-for-one on the way down, measured point to point over a July-to-June year rather than reset daily.

Stated mandate

The Fund seeks three times the increase of an ETF tracking the S&P 500 Index, subject to a 17.10% upside cap before fees, while approximately matching losses during the July 1, 2026–June 30, 2027 outcome period. It does not provide a downside buffer.

Why people hold it

  1. 01The 3x upside is measured point to point across the one-year outcome period, not reset daily, so a choppy path in between doesn't compound against the payoff.innovatoretfs.com
  2. 02That leverage is built from FLEX options on an S&P 500 ETF inside a fund wrapper: no margin account, no borrowing, no bank issuer standing behind the payoff.innovatoretfs.cominnovatoretfs.com
  3. 03At 0.79%, the fee sits right at the median of Innovator's accelerated series. The amped-up version costs the same as the buffered ones.
  4. 04Cap and outcome period re-strike every July 1 at then-current option prices, so the terms refresh each year instead of being frozen at launch in 2021.innovatoretfs.com

Worth knowing

  1. 01No buffer here. Declines in the underlying S&P 500 ETF pass through roughly one-for-one while gains stop at the cap, an asymmetry that cuts against you in a down year.innovatoretfs.com
  2. 02The stated 3x and cap describe a full July-to-June hold. Buy mid-period and your effective acceleration and remaining upside differ from the headline terms.innovatoretfs.com
  3. 03Exposure follows the underlying ETF's share price, so index dividends sit outside the payoff, and this is one of the smaller, thinly traded names in the lineup.innovatoretfs.com

XTJL Holdings

As of Sep 22, 2026, 10:01 PM
Asset class
Stocks
Holdings
5
Top-10 weight
118%
Largest holding
VOO98.5%

Sectors

Geography

The fund’s holdings, weight-ordered — page 1 of 1.
#TickerCompanyWeight %SharesMarket valueIn ETFs
001VOOVanguard S&P 500 ETF98.46%23,593$17M57
002—VOO 06/30/2027 686.83 C19.43%481$3M1
003—US BANK MMDA - USBGFS 9 09/01/20370.26%43,891$44K161
004—VOO 06/30/2027 714.3 C0.15%5$25K1

Showing 1–4 of 4 holdings

XTJL Performance

Shows how $10,000 changes over the selected period, with cash distributions reinvested at the closing price on each ex-dividend date.

XTJL$11,288
SPY tracks large US stocks. It provides market context, rather than representing this fund’s strategy, asset class or investment benchmark.$11,723
Sep 22, 2025 to Sep 22, 2026. XTJL $11,288. SPY $11,723. Use the arrow keys to read each point.$9,353$10,646$11,940Sep 2025Mar 2026Sep 2026

Sep 22, 2025 – Sep 22, 2026

Returns run to the Sep 22, 2026 close, with cash distributions reinvested. Each period starts on the same date that many months or years earlier. Periods over one year show the average yearly return.

Trailing total return for XTJL. Periods over one year show the average yearly return.
PeriodXTJL
Year to date+9.9%
1 month+1.5%
3 months+4.0%
1 year+12.9%
3 years+16.6%per year
5 years+10.2%per year
10 yearsFund is under 10 years old—per year

As of the close, with distributions reinvested.

Calendar-year total return with cash distributions hypothetically reinvested at the ex-dividend date’s closing price. The current year shows year to date.

Annual total returns for XTJL
YearReturn barXTJL
2026 YTD+9.9%
2025+15.4%
2024+14.4%
2023+25.7%
2022−15.7%
2021+7.3%

Since listing, Jul 1, 2021

XTJL in the news

ETF.net Research hasn’t filed on XTJL yet — coverage lands here as it’s written.

XTJL Dividends

This fund pays no distributions.
—Last 12 months
Payout per share
—Last 12 months

No distributions in the last 12 months.

XTJL Risk

How much the fund’s monthly returns vary, scaled to a year.
8.4%
Annualised · 36 months to Aug 2026
How it’s calculated: standard deviation

The sample standard deviation of monthly total returns, multiplied by the square root of 12.

Uses up to 36 complete months, with at least 12 required. Total returns include reinvested distributions.

Return above 3-month US Treasury bills per unit of volatility.
1.18
vs 3-month T-bills · to Aug 2026
How it’s calculated: Sharpe ratio

Subtract each month’s Treasury-bill return from the fund’s monthly total return.

Divide the average of those excess returns by their sample standard deviation, then multiply by the square root of 12.

Uses up to 36 complete months, with at least 12 required. Each month uses the Treasury yield quoted at the end of the previous month.

The largest fall from a peak to the low that followed.
−23.2%
Trough Oct 2022
How it’s calculated: maximum drawdown

The largest percentage decline from an earlier peak, using total returns with reinvested distributions.

Uses up to five years through the last close, with at least 12 months required.

How strongly the fund’s returns move with its asset-class index.
0.58
vs its asset-class index
How it’s calculated: beta

The beta figure is supplied by FMP. The comparison index depends on the fund’s broad asset class.

XTJL Cost

Expense ratio0.79%
  • The middle half of S&P 500 Accelerated, 9-12% Buffer funds
  • Median 0.79%

No S&P 500 Accelerated, 9-12% Buffer fund charges less.

XTJL costs $79.00 a year on $10,000. The median S&P 500 Accelerated, 9-12% Buffer fund costs $79.00.