Which has more room to gain, BJAN or POCT?

From their prices on Oct 13, 2026, BJAN can gain about 3.9% before its cap and POCT about 14.1%, so POCT has more room left this period.

Which resets first, BJAN or POCT?

BJAN ends its outcome period on Dec 31, 2026 and POCT on Sep 30, 2027. A new cap is set the day after each.

Which is cheaper, BJAN or POCT?

BJAN and POCT both charge 0.79% a year, so neither is cheaper. Fees come from each fund's prospectus.

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BJAN vs POCT: Cap, Buffer & Days Left

As of Oct 13, 2026 BJAN can fall 10.9% before its buffer engages and POCT 1.3%, and BJAN resets 273 days sooner. Net assets on Oct 12, 2026: $351m for Innovator U.S. Equity Buffer ETF - Jan and $1.1bn for Innovator U.S. Equity Power Buffer ETF - Oct.

Both cost 0.79% a year; their one-year returns differ by 3.3 points; POCT is 3.0 times larger.

Points (pts) are percentage points.

BJAN vs POCT: Cap, Buffer & Days Left
	BJAN	POCT
Expense ratio	0.79%	0.79%
Net assets, as of Oct 12, 2026	$351m	$1.1bn
Total return, 1 year	+17.0%	+13.7%
What it tracks	SPY	SPY
Holdings in common	not published
Index fall to the buffer	12.3%	1.9%

10.9%

BJAN can fall this far before its buffer

1.3%

POCT can fall this far before its buffer

3.9%

BJAN can still gain

14.1%

POCT can still gain

BJANBetween buffer and cap

BJAN: reference +14.0% since period start, fund +11.4%; buffer 0 to −9; cap +16.5%; Between buffer and cap. Figures to Oct 13, 2026.

POCTBetween buffer and cap

POCT: reference +1.9% since period start, fund +1.3%; buffer 0 to −15; cap +15.6%; Between buffer and cap. Figures to Oct 13, 2026.

ETFIQ Downside Cover Score · POCT scores higherIf the market falls into a bear market from here, how much does the buffer absorb?

BJAN 19.7

POCT 86.3

0.2, the lowest in this set99.8, the highest

A percentile among the 292 buffer ETFs on stocks with a live outcome period. Today's position against one 20% fall; it ignores smaller falls, and stock buffers are never ranked against bond or commodity ones. All buffer ETFs ranked by it → How it is computed →

They do not reset together. BJAN has 79 days of its period left and POCT has 352, so the two are not the same bet on the same months.

Both are Innovator funds, so the difference between them is the terms rather than the house.

Where each one stands today

BJAN resets first, on Dec 31, 2026, 79 days from now; POCT runs to Sep 30, 2027, 352 days. BJAN can still gain 3.9% before its cap, POCT 14.1%. A fall from here reaches BJAN’s buffer after 10.9% and POCT’s after 1.3%. Both track SPY, so what separates them is where each is in its own period.

Performance, window by window

Performance, window by window: BJAN vs POCT: Cap, Buffer & Days Left
	Total return		Gap to the reference's price return
Window	BJAN	POCT	BJAN	POCT
3 months	+3.7%	+4.1%	−0.1 pts	+0.2 pts
6 months	+10.2%	+9.1%	−3.2 pts	−4.3 pts
1 year	+17.0%	+13.7%	−2.1 pts	−5.5 pts
3 years	+65.2%	+41.9%	−15.1 pts	−38.4 pts
Since launch Not the same days: BJAN Jan 2019 · POCT Oct 2018	+154.2%	+101.5%	−56.8 pts	−65.2 pts

Each fund's gap is to its reference's price return, dividends left out: the basis the outcome period uses. Source: ETFIQ. Open this comparison in the app →

On the same fields

BJAN

Innovator U.S. Equity Buffer ETF - Jan · Absorbs the first 9% of loss on SPY and caps the gain at 16.5%, over a period ending Dec 31, 2026

POCT

Innovator U.S. Equity Power Buffer ETF - Oct · Absorbs the first 15% of loss on SPY and caps the gain at 15.6%, over a period ending Sep 30, 2027

Issuer Innovator Innovator

Reference index SPY SPY

Buffer 9% 15%

Outcome period Dec 31, 2025 to Dec 31, 2026 Sep 30, 2026 to Sep 30, 2027

Days left 79 352

Starting cap +16.5% +15.6%

Can still gain 3.9% 14.1%

Fall before buffer 10.9% 1.3%

Protection left, index points 9.0% of 9.0% 15.0% of 15.0%

Index return this period +14.0% +1.9%

Fund return this period +11.4% +1.3%

State today Open Open

Expense ratio 0.79% 0.79%

Net assets, as of Oct 12, 2026 $351m $1.1bn

As of Oct 13, 2026. Source: ETFIQ.

About BJAN

From its price on Oct 13, 2026, the fund can gain about 3.9% more before it reaches its cap. The fund's price can fall 10.9% from here before the buffer starts absorbing losses, by the issuer's figure. In index terms, SPY can fall 12.3% from today's level to the point where the buffer begins. Protection left, in index points: 9.0% of the 9.0% buffer still sits below today's SPY level. 79 days remained on Oct 13, 2026. On Dec 31, 2026 the period ends and a new cap is set.

About POCT

From its price on Oct 13, 2026, the fund can gain about 14.1% more before it reaches its cap. The fund's price can fall 1.3% from here before the buffer starts absorbing losses, by the issuer's figure. In index terms, SPY can fall 1.9% from today's level to the point where the buffer begins. Protection left, in index points: 15.0% of the 15.0% buffer still sits below today's SPY level. 352 days remained on Oct 13, 2026. On Sep 30, 2027 the period ends and a new cap is set.

Questions people ask

Which has more room to gain, BJAN or POCT?: From their prices on Oct 13, 2026, BJAN can gain about 3.9% before its cap and POCT about 14.1%, so POCT has more room left this period.
Which resets first, BJAN or POCT?: BJAN ends its outcome period on Dec 31, 2026 and POCT on Sep 30, 2027. A new cap is set the day after each.
Which is cheaper, BJAN or POCT?: BJAN and POCT both charge 0.79% a year, so neither is cheaper. Fees come from each fund's prospectus.

Other comparisons

BJAN vs PJAN BJAN vs FJAN BJAN vs DJUL BJAN vs BSEP POCT vs UJUL POCT vs UOCT POCT vs ZOCT POCT vs DDFO

SPY →BJAN on its own →POCT on its own →How every figure is computed →Standards and sources →

Where these figures came from

BJAN and POCT filings on SEC EDGAR ↗Innovator page for BJAN ↗Innovator page for POCT ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

It is a place in a set, not a rating or a recommendation.

ETFIQ calculates every figure from each issuer’s published outcome-period terms. Buffer ETFs hold options on an index, not shares, so there is no holdings overlap to report.

Every figure is an ETFIQ calculation with distributions reinvested.

Cite this pageCitation, APA and Markdown

ETFIQ, BJAN against POCT, data as of Oct 13, 2026. https://etfiq.com/compare/buffer/bjan-vs-poct

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.