XTJA vs XTOC: Grades, Fees and Holdings Compared

Innovator U.S. Equity Accelerated Plus ETF

XTJABCboe

Innovator U.S. Equity Accelerated Plus ETF

XTOCBCboe

Overlap

0.1%by weight

Expense ratio

XTJA0.79%XTOC0.79%

Avg volume · 30D

XTOC 2.5×the volume

XTJA2.7KXTOC6.64K

3Y return · a year

XTJA +0.1pt

XTJA+15.3%XTOC+15.2%

XTJA vs XTOC Performance

Oct 31, 2025 – Oct 30, 2026

+13.4%XTJA+12.4%XTOC

Expense ratio: XTJA 0.79%; XTOC 0.79%
Fund size: XTJA $17M; XTOC $18M
1Y total return: XTJA +13.4%, better; XTOC +12.4%
Holdings: XTJA 3; XTOC 4
Avg volume (30D): XTJA 2.7K sh; XTOC 6.64K sh, better
NAV per share: XTJA $35.28; XTOC $37.10
52W range

ETF.net Grade

Pillar letters and Scores for XTJA, XTOC, with each pillar’s weight
Pillar	XTJA	XTOC
Cost30% weight	B63	B63
Mission25% weight	Not scored	Not scored
Risk15% weight	C53	B55Higher
Tradability15% weight	B67Higher	B58
Holdings10% weight	Not scored	D37
Durability5% weight	C53	B64Higher

Rank among S&P 500 Accelerated funds

How we build Categories ›

Same Category. XTJA and XTOC are both graded against the same 12 S&P 500 Accelerated funds, so their Grades compare head to head.

S&P 500 Accelerated⁠

Category · 12 funds

See all 12 ›

XTJA ranks 4th and XTOC 4th of 12 funds in the S&P 500 Accelerated Category.

Rank 1ATWOXiShares Large Cap Accelerated Outcome ETFScore 74
Rank 2BXTAPInnovator U.S. Equity Accelerated Plus ETFScore 65
Rank 3BXDSQInnovator U.S. Equity Accelerated ETFScore 61
Rank 4BXTJAInnovator U.S. Equity Accelerated Plus ETFScore 60
Rank 4BXTOCInnovator U.S. Equity Accelerated Plus ETFScore 60
Rank 6BXUSPInnovator Uncapped Accelerated U.S. Equity ETFScore 55

Our read on each fund

ETF.net Research

XTJABInnovator U.S. Equity Accelerated Plus ETF

XTOCBInnovator U.S. Equity Accelerated Plus ETF

In short

XTJA No data

XTOC Upside-only leverage: XTOC targets triple SPY's price return over a one-year October-to-September stretch, subject to a cap, while the downside tracks the index roughly one-for-one. Options do the work, so there's no daily reset.

Stated mandate

XTJA No data

XTOC The Fund seeks three times the upside return of SPY during the annual outcome period, subject to a cap, while approximately matching SPY losses on the downside. It resets at the end of each outcome period and can be held indefinitely.

Why people hold it

XTJA No data

XTOC Built from one-year options rather than borrowed money, so the 3x upside applies to the whole outcome period instead of compounding day by day like a geared fund.innovatoretfs.com
The structure resets every October 1 and can be held indefinitely, so a fresh cap and a fresh outcome period arrive each year without you rolling anything yourself.sec.gov
The 0.79% fee is par for accelerated-return funds: same as Innovator siblings XDSQ and XTAP, below the 0.85% on FT Vest's XMAR and XJUN.

Worth knowing

XTJA No data

XTOC The upside is capped, and a new cap is set at the start of each October period. The stated math is designed for shares held from the first day of a period to the last.innovatoretfs.com sec.gov
No buffer sits underneath. Losses track SPY roughly one-for-one, and because the design follows price return, S&P 500 dividends don't pass through.sec.gov
A small fund that trades lightly, which can mean wider bid-ask spreads than mainstream index ETFs.

Full XTJA profile⁠

Full XTOC profile⁠

XTJA vs XTOC Holdings

How XTJA and XTOC differ

Overlap by weight

0.1%

Shared holdings make up 0.2% of XTOC and 0.1% of XTJA.

Level by level

Holdings1 in both0.1%
Asset classEquity100%
Countryby domicile100%
Sector11 Sectors99.6%

Sector

Sector weights in XTJA and XTOC, widest gap first
Sector	More in XTJAMore in XTOC	XTJA	XTOC
Technology	XTOC +0.3 points	40.1%	40.4%
Financials	XTJA +0.1 points	11.3%	11.2%
Health Care	XTJA +0.1 points	9.4%	9.3%
Industrials	XTJA +0.1 points	7.6%	7.5%
Consumer Staples	XTJA +0.1 points	4.4%	4.3%
Consumer Discretionary	Same weight	8.7%	8.7%
Communication	Same weight	9.9%	9.9%
Energy	Same weight	3.4%	3.4%
Utilities	Same weight	1.9%	1.9%
Real Estate	Same weight	1.7%	1.7%
Materials	Same weight	1.6%	1.6%

Country, concentration and asset class

Country by domicile

Country weights in XTJA and XTOC, widest gap first
Country	More in XTJAMore in XTOC	XTJA	XTOC
United States	Same weight	99.5%	99.5%
Switzerland	Same weight	0.3%	0.3%
China	Same weight	0.1%	0.1%
Mexico	Same weight	0.1%	0.1%
Ireland	Same weight	0.0%	0.0%
United Kingdom	Same weight	0.0%	0.0%

Concentration

Weight in the 10 largest Holdings

XTJA120.1%
XTOC114.8%

Securities held

XTJA3
XTOC4

Asset class

XTJA: Equity
XTOC: Equity

Holdings

Only in XTJA2
In both1
Only in XTOC3

Only in XTJA

2 securities, 100% of XTJA by weight

Spy 12/31/2026 6.78 C98.44%
Spy 12/31/2026 681.88 C21.54%

Only in XTOC

3 securities, 100% of XTOC by weight

Vanguard S&P 500 ETF98.26%
Voo 09/30/2027 700.9 C16.19%
Voo 09/30/2027 728.94 C0.11%

Weight gaps

All 1 Holdings in both funds, largest gap first.

Holding weights in XTJA and XTOC, widest gap first
Holding	More in XTJAMore in XTOC	XTJA	XTOC
Us Bank Mmda - Usbgfs 9 09/01/2037	XTOC +0.11 points	0.13%	0.24%

All 5 XTJA holdings⁠All 5 XTOC holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

XTJA vs XTOC Cost

Same expense ratio

$15,174

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

XTJA 0.79%
$15,174
XTOC 0.79%
$15,174

Amount$10,000

Years30 years

Cost over time

XTJA 0.79%
XTOC 0.79%

Year by year

Year	XTJA	XTOC
10	$1,405	$1,405
20	$5,331	$5,331
30	$15,174	$15,174

Expense ratio

0.79%XTJA
0.79%XTOC

XTJA0.79%XTOC0.79%

0.53%0.95%

Middle half of S&P 500 Accelerated funds
Median 0.79%

XTJA 3rd cheapest of 12 funds

XTOC 3rd cheapest of 12 funds

XTJA vs XTOC Dividends

Last 12 months to Oct 30, 2026

Payout (12M): XTJA None; XTOC None

Distribution history

XTJAAll XTJA payments⁠

No distribution history available.

XTOCAll XTOC payments⁠

No distribution history available.

XTJA vs XTOC Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: XTJA 8.1%, betterXTOC 8.7%
Return per unit of riskSharpe ratio, 3 years: XTJA 1.26, betterXTOC 1.17
Worst fallMax drawdown, 5 years: XTJA −26.2%since Jan 2022XTOC −24.1%
Market sensitivityBeta, 5 years: XTJA 0.57XTOC 0.60; Market = 1

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