What if you'd held XTJL?
A $1,000 investment in Innovator U.S. Equity Accelerated Plus ETF (XTJL) at the month-end close of 2021-07 would be worth $1,608 at the close of 2026-08 — +60.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $1,754.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2021
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2021 | $1,000 | — |
| 2022 | $844 | -15.6% |
| 2023 | $1,061 | +25.7% |
| 2024 | $1,214 | +14.4% |
| 2025 | $1,401 | +15.4% |
| 2026 | $1,518 | +8.4% |
Best and worst month-end to buy
The best single month-end close to have bought XTJL was 2022-09 ($21.58): $1,000 then is $1,953 today. The worst was 2026-08 ($42.14): $1,000 then is $1,000.
FAQ
What would $1,000 in XTJL be worth today?
A $1,000 investment in Innovator U.S. Equity Accelerated Plus ETF (XTJL) at the start of 2021 would be worth about $1,608 today, a total return of +60.8%. Dividends are reinvested in these figures.
What were the best and worst years for XTJL?
Innovator U.S. Equity Accelerated Plus ETF (XTJL)'s strongest calendar year since 2021 was 2023, a +25.7% return — $1,000 held through that year became about $1,257 by year-end. Its weakest year was 2022, at -15.6%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in XTJL have grown?
Investing $100 at the end of every month since 2021-07 would have grown to about $8,742 on $6,200 invested.
Did XTJL beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $1,754. XTJL trailed the S&P 500 by +8.3% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Innovator U.S. Equity Accelerated Plus ETF (XTJL) historical total-return data from 2021-07 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.