Which has more room to gain, DDTJ or XBJA?

From their prices on Nov 4, 2026, DDTJ can gain about 2.4% before its cap and XBJA about 1.6%, so DDTJ has more room left this period.

Which resets first, DDTJ or XBJA?

DDTJ ends its outcome period on Dec 31, 2026 and XBJA on Dec 31, 2026. A new cap is set the day after each.

Which is cheaper, DDTJ or XBJA?

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

Data as of Nov 4, 2026.

Buffer ETFs

DDTJ vs XBJA: Cap, Buffer & Days Left

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

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Net assets on Nov 4, 2026: $18m for Innovator Equity Dual Directional 10 Buffer ETF - Jan and $95m for Innovator U.S. Equity Accelerated 9 Buffer ETF - Jan.

DDTJ on its own →XBJA on its own →

At a glance

9.3%

DDTJ can fall this far before its buffer

9.3%

XBJA can fall this far before its buffer

2.4%

DDTJ can still gain

1.6%

XBJA can still gain

DDTJ Between buffer and cap

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.

XBJA At its cap

XBJA: reference +12.4% since period start, fund +9.4%; buffer 0 to −9; cap +11.9%; At its cap. Data to Nov 4, 2026.

Pair scorecard

Both cost 0.79% a year; XBJA is 5.3 times larger.

Points (pts) are percentage points.

DDTJ vs XBJA: Cap, Buffer & Days Left
Measure	DDTJ	XBJA
Return
Measure	DDTJ	XBJA
Total return, 1 year	not published	+11.1%
Drawdown
Measure	DDTJ	XBJA
Index fall to the buffer	11.0%
Benchmark
Measure	DDTJ	XBJA
What it tracks	SPY	SPY
Cost and size
Measure	DDTJ	XBJA
Expense ratio	0.79%	0.79%
Net assets	$18m	$95m
Holdings
Measure	DDTJ	XBJA
Holdings in common	not published

Method

Window by window

Window by window: DDTJ vs XBJA: Cap, Buffer & Days Left
	Total return		Gap to the reference's price return
Window	DDTJ	XBJA	DDTJ	XBJA
3 months	+1.4%	+1.9%	+1.8 pts	+2.3 pts
6 months	+4.8%	+5.1%	+0.3 pts	+0.6 pts
1 year	–	+11.1%	–	−2.4 pts
3 years	–	+39.1%	–	−37.3 pts
Since launchNot the same days: DDTJ Jan 2026 · XBJA Jan 2022	+9.1%	+41.1%	−3.1 pts	−19.4 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 XBJA Innovator U.S. Equity Accelerated 9 Buffer ETF - Jan · Absorbs the first 9% of loss on SPY and caps the gain at 11.9%, over a period ending Dec 31, 2026

Issuer Innovator Innovator

Reference index SPY SPY

Buffer 10% 9%

Outcome period Dec 31, 2025 to Dec 31, 2026 Dec 31, 2025 to Dec 31, 2026

Days left 57 57

Starting cap +12.8% +11.9%

Can still gain 2.4% 1.6%

Fall before buffer 9.3% 9.3%

Protection left, index points 10.0% of 10.0% 9.0% of 9.0%

Index return this period +12.4% +12.4%

Fund return this period +9.4% +9.4%

State today Open At cap

Expense ratio 0.79% 0.79%

Net assets $18m $95m

As of Nov 4, 2026. Source: ETFIQ.

These are two different products. XBJA 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.

XBJA is already at its cap, so more rise in the index adds nothing to it before the period ends.

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

Where each one stands today

DDTJ resets first, on Dec 31, 2026, 57 days from now; XBJA runs to Dec 31, 2026, 57 days. DDTJ can still gain 2.4% before its cap, XBJA 1.6%. A fall from here reaches DDTJ’s buffer after 9.3% and XBJA’s after 9.3%. Both track SPY, so what separates them is where each is in its own period.

Alert

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.

XBJA

SPY had already risen past this fund's cap of +11.9% for the period on Nov 4, 2026, so in index terms there is no more upside to collect. The fund's own price can still drift up to about 1.6% as the period runs out. Protection left, in index points: 9.0% of the 9.0% buffer still sits below today's SPY level.

Questions people ask

Which has more room to gain, DDTJ or XBJA?: From their prices on Nov 4, 2026, DDTJ can gain about 2.4% before its cap and XBJA about 1.6%, so DDTJ has more room left this period.
Which resets first, DDTJ or XBJA?: DDTJ ends its outcome period on Dec 31, 2026 and XBJA on Dec 31, 2026. A new cap is set the day after each.
Which is cheaper, DDTJ or XBJA?: DDTJ and XBJA both charge 0.79% a year, so neither is cheaper. Fees come from each fund's prospectus.

Other comparisons

DDTJ vs ZJAN DDTJ vs DDSQ DDTJ vs JANU DDTJ vs DDFJ XBJA vs FLJJ XBJA vs PQXV XBJA vs PQXX XBJA vs PQV

Where to next

SPY →All buffer ETFs ranked by the Downside Cover Score →How the scores are computed →DDTJ on its own →XBJA on its own →Method →Standards and sources →

Sources and dates

DDTJ and XBJA filings on SEC EDGAR ↗

Innovator page for DDTJ ↗

Innovator page for XBJA ↗

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.

Cite this pageCitation, APA and Markdown

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

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