Compare · 2 funds side by side · dividends reinvested

USEP and VTI

USEPInnovator×VTIVanguard×

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$16,697VTI · best of the two

02 / 04

USEP and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.3

Innovator U.S. Equity Ultra Buffer ETFDefined Outcome · Buffer0.79%0.00%+6.2%+7.8%+12.5%+8.0%−4.0%6.1%$241M1.8

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: USEP 2019 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Innovator U.S. Equity Ultra Buffer ETF · $241M$14,680

USEP

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,697

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

USEPMeasureVTI

+6.2%Year to dateJan 1 → Nov 9+11.6%

+7.8%1 yearTotal return+13.9%

+12.5%3 years · per year$10,000 became $14,230 · $18,090+21.8%

+8.0%5 years · per year$10,000 became $14,680 · $16,697+10.8%

0.79%Expense ratio$79 · $3 a year on $10k · lower is better0.03%

0.00%Trailing 12-mo yield$0 · $106 a year on $10k1.06%

−4.0%Worst dropSmaller is better−8.9%

6.1%VolatilityLower is calmer13.9%

USEPVTI Winner of the row, in its colourEach row: the bigger of the two fills its side

2–6VTI wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

USEP vs VTI: Top 5 Holdings

Today

USEP

96.2%in top 5

VTI

in top 525.0%

USEPStockVTI

96.2%VOOnot top 5

not top 5NVDA7.1%

not top 5AAPL6.6%

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

Held in common0.0%

End-of-day Nov 9, 2026 · share of each fund

USEP vs VTI Returns, Every Period

InnovatorUSEP

+8.0%

5 years, per year

VTIVanguard

+10.8%

5 years, per year

USEPVTIFaded: behind in that period

0–4VTI wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Defined Outcome vs Core: USEP vs VTI

YTD

InnovatorUSEP

+6.2%

VTIVanguard

+11.6%

+6.2%Year to date+11.6%

−4.0%Worst drop · 1Y−8.9%

6.1%Volatility · 1Y13.9%

0.0%Yield1.1%

$241MAssets$689B

2–2level

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: USEP, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

USEP0.79%$79

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: USEP, VTI

1.06%highest, VTI

FundTrailing yieldYield$10k

VTI1.06%$106

USEP0.00%$0

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$103most kept, VTI

VTI$106 − $3 = $103

USEP$0 − $79 = −$79

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: USEP, VTI

Today

0.0%most shared, USEP and VTI

USEPVTI

USEP—0.0%

VTI0.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+13.9%VTI, at 13.9% volatility

USEPWorst drop−4.0%6.1% vol

VTIWorst drop−8.9%13.9% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

VTIUSEP

+11.6%Year to date+6.2%

1.1%Yield0.0%

+13.9%Past year+7.8%

0.03%Fee0.79%

4–0VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Two

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026