Data as of .
POCT vs XBOC: which one stands where?
As of Sep 21, 2026 POCT can fall 10.6% before its buffer engages and XBOC 10.6%.
These are two different products. XBOC is a floor fund, which caps how far a holder can fall. POCT is a buffer fund, which absorbs the first part of a fall and leaves everything below it with the holder.
Both are Innovator funds, so the difference between them is the terms rather than the house.
Where each one stands today
POCT resets first, on Sep 30, 2026, 9 days from now; XBOC runs to Sep 30, 2026, 9 days. POCT can still gain 0.1% before its cap, XBOC 0.0%. A fall from here reaches POCT’s buffer after 10.6% and XBOC’s after 10.6%. Both track SPY, so what separates them is where each is in its own period.
Every figure is ETFIQ’s own, from the issuer’s published outcome-period terms. A buffer ETF holds FLEX options on its reference index rather than shares, so there is no holdings overlap between two of them to report.
Performance, window by window
| Window | Total return | Gap to the reference | ||
|---|---|---|---|---|
| POCT | XBOC | POCT | XBOC | |
| 3 months | +3.0% | +2.6% | +0.7 pts | +0.4 pts |
| 6 months | +11.0% | +11.0% | −7.0 pts | −7.0 pts |
| 1 year | +10.8% | +11.0% | −5.7 pts | −5.5 pts |
| 3 years | +39.7% | +38.9% | −38.7 pts | −39.5 pts |
| POCT Innovator U.S. Equity Power Buffer ETF - Oct Absorbs the first 15% of loss on SPY and caps the gain at 11.8%, over a period ending Sep 30, 2026 | XBOC Innovator U.S. Equity Accelerated 9 Buffer ETF - Oct Absorbs the first 9% of loss on SPY and caps the gain at 11.7%, over a period ending Sep 30, 2026 | |
|---|---|---|
| Issuer | Innovator | Innovator |
| Reference index | SPY | SPY |
| Buffer | 15% | 9% |
| Outcome period | Sep 30, 2025 to Sep 30, 2026 | Sep 30, 2025 to Sep 30, 2026 |
| Days left | 9 | 9 |
| Starting cap | +11.8% | +11.7% |
| Can still gain | 0.1% | 0.0% |
| Fall before buffer | 10.6% | 10.6% |
| Protection left, index points | 15.0% of 15.0% | 9.0% of 9.0% |
| Index return this period | +16.2% | +16.2% |
| Fund return this period | +10.9% | +10.8% |
| State today | At cap | At cap |
| Expense ratio | 0.79% | 0.79% |
| Net assets | $949m | $64m |
POCT in plain words
SPY had already risen past this fund's cap of +11.8% for the period on Sep 21, 2026, so in index terms there is no more upside to collect. The fund's own price can still drift up to about 0.1% as the period runs out. The fund's price can fall 10.6% from here before the buffer starts absorbing losses, by the issuer's figure. In index terms, SPY can fall 13.9% 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. 9 days remained on Sep 21, 2026. On Sep 30, 2026 the period ends and a new cap is set.
XBOC in plain words
SPY had already risen past this fund's cap of +11.7% for the period on Sep 21, 2026, so in index terms there is no more upside to collect. The fund's own price can still drift up to about 0.0% 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, POCT or XBOC?
- From their prices on Sep 21, 2026, POCT can gain about 0.1% before its cap and XBOC about 0.0%, so POCT has more room left this period.
- Which resets first, POCT or XBOC?
- POCT ends its outcome period on Sep 30, 2026 and XBOC on Sep 30, 2026. A new cap is set the day after each.
- Which is cheaper, POCT or XBOC?
- POCT charges 0.79% a year and XBOC charges 0.79%, so POCT is cheaper. Fees come from each fund's prospectus.
Other comparisons
Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, POCT against XBOC, data as of Sep 21, 2026. https://etfiq.com/compare/buffer/poct-vs-xboc Free to use with attribution; the underlying files are at Open data.