Innovator U.S. Equity Accelerated Plus ETF… (XTOC) Performance
XTOC total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +11.1% since Dec 31, 2025
- 1 year
- +13.4% total return
- 5 years
- +8.2% a year
- Since first price
- +8.8% a year since 2021
XTOC trailing returns vs SPY, QQQ, AGG
| Period | XTOC total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −0.0% | −0.0% | −1.0% | −5.0% | +0.9% |
| 3 months | +2.8% | +2.8% | +3.2% | +1.9% | −0.4% |
| 6 months | +7.1% | +7.1% | +7.8% | +8.4% | −1.5% |
| YTD | +11.1% | +11.1% | +12.3% | +15.1% | −1.0% |
| 1 year | +13.4% | +13.4% | +14.4% | +15.9% | −1.1% |
| 3 years | +53.0%+15.2%/yr | +53.0% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +48.2%+8.2%/yr | +48.2% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| Since inceptionOct 1, 2021 | +52.9%+8.8%/yr | +52.9% | — | — | — |
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: XTOC vs SPY
From Oct 1, 2021: XTOC grew to $15,294, SPY to $18,712.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
XTOC returns by calendar year
3 of 4 full years positive. Best 2023 (+25.4%), worst 2022 (−17.9%). 2026 is year to date.
XTOC annual returns table
| Year | XTOC | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +11.1% | −7.4% | +12.3% | +15.1% | −1.0% |
| 2025 | +13.9% | −18.0% | +17.7% | +20.8% | +7.2% |
| 2024 | +10.5% | −2.4% | +24.9% | +25.6% | +1.3% |
| 2023 | +25.4% | −4.7% | +26.2% | +54.9% | +5.7% |
| 2022 | −17.9% | −24.1% | −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.
XTOC largest drawdowns
Now 1.6% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Jan 4, 2022 | −24.1% | Oct 14, 2022 | Nov 22, 2023 | 9 months | 1.9 years |
| Feb 19, 2025 | −18.0% | Apr 8, 2025 | Jun 6, 2025 | 48 days | 4 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
XTOC risk statistics
| Statistic | 3 years | Since 2021 |
|---|---|---|
| Annualized return | +14.8% | +8.2% |
| Volatility (annualized) | 8.8% | 12.9% |
| Sharpe ratio | 1.13 | 0.40 |
| Sortino ratio | 2.38 | 0.58 |
| Best month | +8.2% | +11.0% |
| Worst month | −4.4% | −10.4% |
| Best 12 months | +24.1% | +25.4% |
| Worst 12 months | +2.1% | −17.9% |
| Positive months | 75% | 68% |
| Beta vs S&P 500 | 0.65 | — |
| Correlation with S&P 500 | 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.
XTOC rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 49 | −17.9% | +13.5% | +25.4% | 86% |
| 3-year (a year) | 25 | +3.9% | +14.4% | +18.0% | 100% |
| 5-year (a year) | 1 | +8.0% | +8.0% | +8.0% | 100% |
Every holding period starting at a month-end since 2021. Returns for 3 years and longer are annualized.
XTOC performance overview
Innovator U.S. Equity Accelerated Plus ETF… (XTOC) returned +13.4% over the past year and +8.2% a year over five years, with distributions reinvested. Since its first recorded price in 2021 it has returned +8.8% a year, turning $10,000 into about $15,294. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −24.1%, from Jan 4, 2022 to Oct 14, 2022, and it took 1.1 years to get back to the old high. XTOC finished 3 of its 4 full calendar years with a gain; the best year was 2023 (+25.4%) and the worst 2022 (−17.9%). Volatility has been 12.9% a year.
Related: XTOC chart. See the XTOC overview for the latest quote and fund facts.
XTOC performance FAQ
What is the XTOC return over the past year?
XTOC returned +13.4% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 13.4%.
What is the average annual return of XTOC?
XTOC has returned +8.2% a year over 5 years, +8.8% a year since October 1, 2021 (total return, distributions reinvested).
How much would $10,000 invested in XTOC be worth?
$10,000 invested in XTOC at its first recorded close on October 1, 2021 would be worth about $15,294 on October 23, 2026 with distributions reinvested.
What was the worst year for XTOC?
The worst calendar year was 2022, with a total return of −17.9%. The best was 2023 at +25.4%.
What is the biggest drawdown of XTOC?
The largest peak-to-trough decline was −24.1% between January 4, 2022 and October 14, 2022. It recovered to the old high on November 22, 2023, 1.1 years after the bottom.
How volatile is XTOC?
Over the past 3 years XTOC had an annualized volatility of 8.8% and a Sharpe ratio of 1.13 (excess return over 1–3 month T-bills per unit of risk).