Innovator U.S. Equity Accelerated Plus ETF… (XTJL) Performance
XTJL total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +9.1% since Dec 31, 2025
- 1 year
- +11.4% total return
- 5 years
- +9.5% a year
- Since first price
- +9.7% a year since 2021
XTJL trailing returns vs SPY, QQQ, AGG
| Period | XTJL total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −0.2% | −0.2% | −1.0% | −5.0% | +0.9% |
| 3 months | +4.1% | +4.1% | +3.2% | +1.9% | −0.4% |
| 6 months | +5.5% | +5.5% | +7.8% | +8.4% | −1.5% |
| YTD | +9.1% | +9.1% | +12.3% | +15.1% | −1.0% |
| 1 year | +11.4% | +11.4% | +14.4% | +15.9% | −1.1% |
| 3 years | +61.0%+17.2%/yr | +61.0% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +57.2%+9.5%/yr | +57.2% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| Since inceptionJul 1, 2021 | +63.9%+9.7%/yr | +63.9% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: XTJL vs SPY
From Jul 1, 2021: XTJL grew to $16,391, SPY to $18,938.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
XTJL returns by calendar year
3 of 4 full years positive. Best 2023 (+25.7%), worst 2022 (−15.7%). 2026 is year to date.
XTJL annual returns table
| Year | XTJL | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +9.1% | −5.1% | +12.3% | +15.1% | −1.0% |
| 2025 | +15.4% | −16.7% | +17.7% | +20.8% | +7.2% |
| 2024 | +14.4% | −6.8% | +24.9% | +25.6% | +1.3% |
| 2023 | +25.7% | −8.3% | +26.2% | +54.9% | +5.7% |
| 2022 | −15.7% | −23.2% | −18.2% | −32.6% | −13.0% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
XTJL largest drawdowns
Now 1.6% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Mar 29, 2022 | −23.2% | Oct 12, 2022 | Nov 14, 2023 | 6 months | 1.6 years |
| Feb 19, 2025 | −16.7% | Apr 8, 2025 | May 13, 2025 | 48 days | 3 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
XTJL risk statistics
| Statistic | 3 years | 5 years | Since 2021 |
|---|---|---|---|
| Annualized return | +16.7% | +10.4% | +9.8% |
| Volatility (annualized) | 7.8% | 12.4% | 12.3% |
| Sharpe ratio | 1.47 | 0.58 | 0.54 |
| Sortino ratio | 3.78 | 0.87 | 0.82 |
| Best month | +8.9% | +8.9% | +8.9% |
| Worst month | −3.1% | −10.3% | −10.3% |
| Best 12 months | +25.1% | +25.7% | +25.7% |
| Worst 12 months | +7.1% | −16.8% | −16.8% |
| Positive months | 81% | 68% | 68% |
| Beta vs S&P 500 | 0.55 | 0.73 | — |
| Correlation with S&P 500 | 0.87 | 0.92 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
XTJL rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 52 | −16.8% | +14.5% | +25.7% | 83% |
| 3-year (a year) | 28 | +6.3% | +14.8% | +20.6% | 100% |
| 5-year (a year) | 4 | +9.3% | +9.6% | +10.4% | 100% |
Every holding period starting at a month-end since 2021. Returns for 3 years and longer are annualized.
XTJL performance overview
Innovator U.S. Equity Accelerated Plus ETF… (XTJL) returned +11.4% over the past year and +9.5% a year over five years, with distributions reinvested. Since its first recorded price in 2021 it has returned +9.7% a year, turning $10,000 into about $16,391. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −23.2%, from Mar 29, 2022 to Oct 12, 2022, and it took 1.1 years to get back to the old high. XTJL finished 3 of its 4 full calendar years with a gain; the best year was 2023 (+25.7%) and the worst 2022 (−15.7%). Volatility has been 12.3% a year.
Related: XTJL chart. See the XTJL overview for the latest quote and fund facts.
XTJL performance FAQ
What is the XTJL return over the past year?
XTJL returned +11.4% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 11.4%.
What is the average annual return of XTJL?
XTJL has returned +9.5% a year over 5 years, +9.7% a year since July 1, 2021 (total return, distributions reinvested).
How much would $10,000 invested in XTJL be worth?
$10,000 invested in XTJL at its first recorded close on July 1, 2021 would be worth about $16,391 on October 23, 2026 with distributions reinvested.
What was the worst year for XTJL?
The worst calendar year was 2022, with a total return of −15.7%. The best was 2023 at +25.7%.
What is the biggest drawdown of XTJL?
The largest peak-to-trough decline was −23.2% between March 29, 2022 and October 12, 2022. It recovered to the old high on November 14, 2023, 1.1 years after the bottom.
How volatile is XTJL?
Over the past 3 years XTJL had an annualized volatility of 7.8% and a Sharpe ratio of 1.47 (excess return over 1–3 month T-bills per unit of risk).