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- Upturn Summary
- Fund Details
Upturn AI Summary
Innovator U.S. Small Cap Managed Floor ETF(RFLR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RFLR
10/28/2026: RFLR (2-star) is currently NOT-A-BUY. Pass it for now.
RFLR provides exposure to U.S. small-cap equities while incorporating a managed floor strategy using options to mitigate downside risk. Its primary strength lies in its ability to offer a defensive cushion during market downturns, making it suitable for risk-conscious investors who still want small-cap exposure. However, investors should be aware that the cost of this protection may limit upside participation during strong bull markets. The fund acts as a core, risk-managed satellite in a diversified portfolio. Key factors to monitor include the cost of options and the health of the broader small-cap economy.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The hedging strategy may cap total upside potential compared to unhedged small-cap funds. |
| Momentum investor | Strong fit while signal remains positive | The fund can provide participation in upward trends while limiting the impact of sudden market pullbacks. |
| Value investor | Mixed fit | While it mitigates risk, the costs of the hedging strategy must be balanced against the underlying valuation of the holdings. |
| Dividend/Income investor | Weak fit | The fund is primarily focused on capital preservation and growth rather than generating steady income. |
| Low-risk investor | Strong fit | The managed floor design specifically addresses the risk-averse needs of investors looking for limited downside in small-cap stocks. |
Investor Profile
Ideal Investor Profile
An investor who wants exposure to small-cap stocks but is uncomfortable with the full magnitude of market drawdowns.
Suitability
Best for long-term investors seeking a risk-managed approach rather than active daily traders.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | The managed floor strategy is designed to dampen the impact of market volatility. |
| Market risk | High | As an equity-based fund, it remains subject to the systemic risks of the U.S. small-cap market. |
| Concentration | Medium | The fund holds small-cap companies which are generally more sensitive to domestic economic shifts. |
| Tracking/expense | Medium | The complexity of the options strategy can lead to performance that deviates from a standard passive index. |
| Liquidity | Medium | Derivative components can occasionally experience liquidity constraints during extreme market events. |
| Business/sector quality | Medium | Small-cap companies often have less financial stability than large-cap counterparts. |
Risk Analysis
Volatility
RFLR's volatility is lower than a standard index fund due to its built-in hedging mechanism.
Market Risk
The fund is inherently tied to the performance of small-cap equities, which are generally more volatile and sensitive to economic conditions.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Market capitalization | U.S. Small-Cap Equities | 90 | This portion provides the core market exposure required for capital appreciation. |
| Derivatives | Options Overlay (Managed Floor) | 10 | This component provides the hedging mechanism designed to establish a floor and limit downside risk. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit 15.4% | Avg. Invested days 74 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | ETF Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
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