XTJA vs. XLRI

Last updated Aug 2, 2026

XTJA (Innovator U.S. Equity Accelerated Plus ETF - January) and XLRI (State Street Real Estate Select Sector SPDR Premium Income ETF) are both exchange-traded funds - XTJA is a Options Trading fund actively managed by Innovator, while XLRI is a Derivative Income fund actively managed by State Street. Both are actively managed. Over the past year, XTJA returned 16.25% vs 10.59% for XLRI. Their 0.22 correlation means their historical movements had little consistent relationship. XTJA charges 0.79%/yr vs 0.35%/yr for XLRI.

Performance

XTJA vs. XLRI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Innovator U.S. Equity Accelerated Plus ETF - January (XTJA) and State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both stocks are quite close, with XTJA having a 8.75% return and XLRI slightly lower at 8.45%.

XTJA

• 1D: 0.52%
• 1M: 1.06%
• 6M: 7.73%
• YTD: 8.75%
• 1Y: 16.25%
• 3Y*: 14.06%
• 5Y*: —
• 10Y*: —
• ALL TIME*: 7.37%

XLRI

• 1D: 0.16%
• 1M: 1.35%
• 6M: 6.08%
• YTD: 8.45%
• 1Y: 10.59%
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: 7.81%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF	$84.19K	$69.65K	$65.16K
XTJA Innovator U.S. Equity Accelerated Plus ETF - January	$12.92K	$17.73K	$76.25K

XTJA vs. XLRI - Yearly Performance Comparison

	2026 (YTD)	2025
XTJA Innovator U.S. Equity Accelerated Plus ETF - January	8.75%	5.57%
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF	8.45%	-0.57%

Correlation

The correlation between XTJA and XLRI is 0.21, which is low. Their historical price movements had little consistent relationship.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.21
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025	0.22

Return for Risk

XTJA vs. XLRI — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

XTJA

XTJA Risk / Return Rank: 76
XTJA Sharpe Ratio Rank: 77
XTJA Sortino Ratio Rank: 78
XTJA Omega Ratio Rank: 86
XTJA Calmar Ratio Rank: 56
XTJA Martin Ratio Rank: 82

XLRI

XLRI Risk / Return Rank: 40
XLRI Sharpe Ratio Rank: 38
XLRI Sortino Ratio Rank: 36
XLRI Omega Ratio Rank: 37
XLRI Calmar Ratio Rank: 42
XLRI Martin Ratio Rank: 46

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

XTJA vs. XLRI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Innovator U.S. Equity Accelerated Plus ETF - January (XTJA) and State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	XTJA	XLRI	Difference
Sharpe ratio: Return per unit of total volatility	1.78	0.96	+0.82
Sortino ratio: Return per unit of downside risk	2.55	1.34	+1.21
Omega ratio: Gain probability vs. loss probability	1.38	1.18	+0.21
Calmar ratio: Return relative to maximum drawdown	1.99	1.48	+0.51
Martin ratio: Return relative to average drawdown	11.01	5.18	+5.84

XTJA vs. XLRI - Sharpe Ratio Comparison

The current XTJA Sharpe Ratio is 1.78, which is higher than the XLRI Sharpe Ratio of 0.96. The chart below compares the historical Sharpe Ratios of XTJA and XLRI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

XTJA vs. XLRI - Drawdown Comparison

The maximum XTJA drawdown since its inception was -26.17%, which is greater than XLRI's maximum drawdown of -7.12%. Use the drawdown chart below to compare losses from any high point for XTJA and XLRI.

Drawdown Indicators

	XTJA	XLRI	Difference
Max Drawdown Largest peak-to-trough decline	-26.17%	-7.12%	-19.05%
Max Drawdown (1Y) Largest decline over 1 year	-7.62%	-7.12%	-0.50%
Max Drawdown (3Y) Largest decline over 3 years	-17.94%	—	—
Current Drawdown Current decline from peak	0.00%	-0.62%	+0.62%
Average Drawdown Average peak-to-trough decline	-6.05%	-1.54%	-4.51%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.38%	2.03%	-0.65%

Volatility

XTJA vs. XLRI - Volatility Comparison

The current volatility for Innovator U.S. Equity Accelerated Plus ETF - January (XTJA) is 1.98%, while State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI) has a volatility of 3.42%. This indicates that XTJA experiences smaller price fluctuations and is considered to be less risky than XLRI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	XTJA	XLRI	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.98%	3.42%	-1.44%
Volatility (6M) Calculated over the trailing 6-month period	7.56%	8.72%	-1.16%
Volatility (1Y) Calculated over the trailing 1-year period	8.53%	11.09%	-2.56%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.84%	11.11%	+4.73%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.84%	11.11%	+4.73%

XTJA vs. XLRI - Expense Ratio Comparison

XTJA has a 0.79% expense ratio, which is higher than XLRI's 0.35% expense ratio.

Dividends

XTJA vs. XLRI - Dividend Comparison

XTJA has not paid dividends to shareholders, while XLRI's dividend yield for the trailing twelve months is around 13.52%.

Position	TTM	2025
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF	13.52%	6.85%
XTJA Innovator U.S. Equity Accelerated Plus ETF - January	0.00%	0.00%

Frequently Asked Questions

Can I hold both XTJA and XLRI in my portfolio?

XTJA and XLRI have a correlation of 0.21, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, XTJA or XLRI?

XLRI has higher volatility (3.42%) compared to XTJA (1.98%). In terms of maximum drawdown, XTJA dropped -26.17% vs XLRI's -7.12%.

Which ETF is better, XTJA or XLRI?

On 1-year performance, XTJA leads with 16.25% vs 10.59% for XLRI. On fees, XLRI is cheaper at 0.35% per year. On volatility, XTJA has been the lower-risk option at 1.98%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, XTJA or XLRI?

Over the 1-year period, XTJA has performed better with a 16.25% return vs 10.59%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, XTJA or XLRI?

XLRI is cheaper with a 0.35% expense ratio, compared with 0.79% for XTJA.

Which ETF pays a higher dividend yield, XTJA or XLRI?

XLRI has the higher dividend yield at 13.52%, compared with 0.00% for XTJA.

What is the main difference between XTJA and XLRI?

XTJA is categorized as Options Trading, while XLRI is Derivative Income. They also come from different issuers: Innovator and State Street. Their fees differ too: 0.79% for XTJA and 0.35% for XLRI.

Which has better risk-adjusted returns?

XTJA currently has the higher Sharpe Ratio (1.78 vs 0.96), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.