Data as of Nov 4, 2026.

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Buffer ETFs

DDTJ vs FLJJ: Cap, Buffer & Days Left

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As of Nov 4, 2026 DDTJ can fall 9.3% before its buffer engages and FLJJ 7.4%.

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Net assets: $18m on Nov 4, 2026 for Innovator Equity Dual Directional 10 Buffer ETF - Jan, and $8.5m on Nov 3, 2026 for AllianzIM U.S. Equity 6 Month Floor5 Jan/Jul ETF - Jan.

At a glance
9.3%
DDTJ can fall this far before its buffer
7.4%
FLJJ can fall this far before its buffer
2.4%
DDTJ can still gain
4.4%
FLJJ can still gain
DDTJ Between buffer and cap
Between buffer and capDDTJ: reference +12.4% since period start, fund +9.4%; buffer 0 to −10; cap +12.8%; Between buffer and cap. Data to Nov 4, 2026.10 pts+12.4% gained−10.0% floor0% period start+12.8% cap+0.4% more to the capTODAY · SPY +12.4%Between buffer and capDDTJ: reference +12.4% since period start, fund +9.4%; buffer 0 to −10; cap +12.8%; Between buffer and cap. Data to Nov 4, 2026.+12.4%−10.0% floor0% start+12.8% cap10 pts of buffer+0.4% more to the capTODAY · SPY +12.4%

DDTJ: reference +12.4% since period start, fund +9.4%; buffer 0 to −10; cap +12.8%; Between buffer and cap. Data to Nov 4, 2026.

DDTJ: reference +12.4% since period start, fund +9.4%; buffer 0 to −10; cap +12.8%; Between buffer and cap. Data to Nov 4, 2026.
FLJJ Full floor
Full floorFLJJ: reference +2.7% since period start, fund +2.1%; buffer −5 to floor; cap +7.0%; Full floor. Data to Nov 4, 2026.full floor beneathfull floor−5.0% buffer start0% period start+7.0% capfirst 5 pts are yours to lose+2.7% gain captured+4.3% more to the capTODAY · SPY +2.7%Full floorFLJJ: reference +2.7% since period start, fund +2.1%; buffer −5 to floor; cap +7.0%; Full floor. Data to Nov 4, 2026.full floor beneathfull floor−5.0% buffer start0% start+7.0% capfirst 5 pts are yours to lose+2.7% gain captured+4.3% more to the capTODAY · SPY +2.7%

FLJJ: reference +2.7% since period start, fund +2.1%; buffer −5 to floor; cap +7.0%; Full floor. Data to Nov 4, 2026.

FLJJ: reference +2.7% since period start, fund +2.1%; buffer −5 to floor; cap +7.0%; Full floor. Data to Nov 4, 2026.

Pair scorecard

FLJJ costs 0.05 points a year less; DDTJ is 2.1 times larger.

Points (pts) are percentage points.

DDTJ vs FLJJ: Cap, Buffer & Days Left
MeasureDDTJFLJJ
Return
Total return, 1 yearnot published+9.9%
Drawdown
Index fall to the buffer11.0%7.5%
Benchmark
What it tracksSPYSPY
Cost and size
Expense ratio0.79%0.74%
Net assets, as of Nov 3, 2026$18m$8.5m
Holdings
Holdings in commonnot published

Method

Window by window

Window by window: DDTJ vs FLJJ: Cap, Buffer & Days Left
Total returnGap to the reference's price return
WindowDDTJFLJJDDTJFLJJ
3 months+1.4%+0.5%+1.8 pts+0.9 pts
6 months+4.8%+4.0%+0.3 pts−0.5 pts
1 year–+9.9%–−3.6 pts
Since launchNot the same days: DDTJ Jan 2026 · FLJJ Feb 2024+9.1%+37.2%−3.1 pts−19.6 pts

Each fund's gap is to its reference's price return, dividends left out: the basis the outcome period uses. – means no data for this window. Open this comparison in the app →

Side by side

DDTJ Innovator Equity Dual Directional 10 Buffer ETF - Jan · Absorbs the first 10% of loss on SPY and caps the gain at 12.8%, over a period ending Dec 31, 2026 FLJJ AllianzIM U.S. Equity 6 Month Floor5 Jan/Jul ETF - Jan · Absorbs losses from 5.0% to 100.0% on SPY and caps the gain at 7.0%, over a period ending Dec 31, 2026
Reference index SPY SPY
Buffer 10% 5% to 100%
Outcome period Dec 31, 2025 to Dec 31, 2026 Jul 1, 2026 to Dec 31, 2026
Days left 57 57
Starting cap +12.8% +7.0%
Can still gain 2.4% 4.4%
Fall before buffer 9.3% 7.4%
Protection left, index points 10.0% of 10.0% 95.0% of 95.0%
Index return this period +12.4% +2.7%
Fund return this period +9.4% +2.1%
State today Open Open
Expense ratio 0.79% 0.74%
Net assets, DDTJ as of Nov 4, 2026 and FLJJ as of Nov 3, 2026 $18m $8.5m

As of Nov 4, 2026. Source: ETFIQ.

These are two different products. FLJJ is a floor fund, which caps how far a holder can fall. DDTJ is a buffer fund, which absorbs the first part of a fall and leaves everything below it with the holder.

Where each one stands today

DDTJ resets first, on Dec 31, 2026, 57 days from now; FLJJ runs to Dec 31, 2026, 57 days. DDTJ can still gain 2.4% before its cap, FLJJ 4.4%. A fall from here reaches DDTJ’s buffer after 9.3% and FLJJ’s after 7.4%. Both track SPY, so what separates them is where each is in its own period.

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About each fund
DDTJ

From its price on Nov 4, 2026, the fund can gain about 2.4% more before it reaches its cap. The fund's price can fall 9.3% from here before the buffer starts absorbing losses, by the issuer's number. In index terms, SPY can fall 11.0% from today's level to the point where the buffer begins. Protection left, in index points: 10.0% of the 10.0% buffer still sits below today's SPY level. 57 days remained on Nov 4, 2026. On Dec 31, 2026 the period ends and a new cap is set.

FLJJ

From its price on Nov 4, 2026, the fund can gain about 4.4% more before it reaches its cap. The fund's price can fall 7.4% from here before the buffer starts absorbing losses, by the issuer's number. In index terms, SPY can fall 7.5% from today's level to the point where the buffer begins. Protection left, in index points: 95.0% of the 95.0% buffer still sits below today's SPY level.

Questions people ask

Which has more room to gain, DDTJ or FLJJ?
From their prices on Nov 4, 2026, DDTJ can gain about 2.4% before its cap and FLJJ about 4.4%, so FLJJ has more room left this period.
Which resets first, DDTJ or FLJJ?
DDTJ ends its outcome period on Dec 31, 2026 and FLJJ on Dec 31, 2026. A new cap is set the day after each.
Which is cheaper, DDTJ or FLJJ?
DDTJ charges 0.79% a year and FLJJ charges 0.74%, so FLJJ is cheaper. Fees come from each fund's prospectus.
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Sources and dates

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

ETFIQ calculates every number 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 number is an ETFIQ calculation with distributions reinvested.

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ETFIQ, DDTJ against FLJJ, data as of Nov 4, 2026. https://etfiq.com/compare/buffer/ddtj-vs-fljj

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