BUFR fell at most 8.76% from October 22, 2021 to October 23, 2026, compared with a worst drop of 11.98% for VOO during April 2–8, 2025, and had a lower daily standard deviation (0.659% versus 1.064%). Even so, a $300,000 position grew to $477,300 in BUFR, versus $539,550 in VOO over the same window, a $62,250 gap. The author attributes the gap to the fund's structure: it tracks the S&P 500's price return, so dividends are excluded, and in exchange for downside protection it gives up gains above a set level. Over five years, BUFR returned 59.1% versus 79.85% for VOO, and over the year ending October 23, 2026, it returned 11.57% versus 14.45%. The author says BUFR suits retirees or near-retirees who tend to sell during sharp downturns, and suggests investors compare the fund's cost with their own account history.
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