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DECWAllianzim U.S. Equity Buffer20 Dec ETF

Stay safeGrow my money3y track recordRanked #79 of 340 in this goal

Seeks to match the share price returns of the SPDR S&P 500 ETF Trust, up to a specified upside Cap, while providing a Buffer against the first 20% of losses.

By AllianzIM · Launched 2022

Annual Cost

0.74%

#3,625 of 5,562 · average

Fund Size

$234M

#2,192 of 5,562 · mid-size

Dividend YieldGoal

0.00%

Track Record

3 years

#2,871 of 5,562 · seasoned

Performance

Total-return NAV · USD
Growth of $10,000
$11,490+14.9%

Total-return NAV, USD. Net of fund fees, before tax.

Classification

How Beacon categorizes this fund

Asset class

Alternative

Strategy

Structured outcome

Index tracked

S&P 500 Index

What it actually holds

By weight

Concentration

Top 4 holdings = 100.0% of fundconcentrated

SPY 11/30/2026 5.13 C4SPY 261130C00005130
99.2%
SPY 11/30/2026 683.46 P4SPY 261130P00683460
4.9%
SPY 11/30/2026 546.71 P4SPY 261130P00546710
-1.5%
SPY 11/30/2026 760.37 C4SPY 261130C00760370
-2.6%

Asset allocation

Stocks
99.6%
Cash
0.4%

Risk profile

Last 12 months · Sharpe & Sortino need 3+ years
Volatility (1Y)
5.6%Low

Year-on-year price swings

Max drawdown
-8.8%Mild

Worst peak-to-trough loss

Sharpe (3Y)
0.99Decent risk-adjusted returns
Sortino (3Y)
1.47Good downside protection

Where to buy

Listing

Exchange
NYSE Arca, Cboe BZX

Full fund details

Objective
Seeks to match the share price returns of the SPDR S&P 500 ETF Trust, up to a specified upside Cap, while providing a Buffer against the first 20% of losses.
Strategy
Pursues a buffered strategy to match the share price returns of the SPDR S&P 500 ETF Trust at the end of a one-year Outcome Period, subject to an upside Cap and a Buffer against the first 20% of losses. Invests at least 80% of net assets in FLEX Options referencing the Underlying ETF. The Fund aims to provide positive returns matching the Underlying ETFs share price up to the Cap, while compensating for the first 20% of losses. The Cap is set based on market conditions prior to the Outcome Period.
Inception date
November 30, 2022
Fund family
AllianzIM

Our take

Structural notes on how this fund behaves. Read our guide on the 6 warning signs.

Buffer
Warning

Buffer ETF — downside protection at a cost

Defined-outcome funds cap upside (typically 8–20%) in exchange for partial downside protection (9–30%), priced via options. Fees are materially higher than the underlying index (often 0.70%+ vs 0.03–0.10%). For most pre-retirees, a simple stock/bond mix achieves similar downside behaviour at a fraction of the cost.

Source: Morningstar, 'Defined-Outcome ETFs: Useful or Uneconomic?' (2023)

Why we flagged this: strategy=structured_outcome + structured_outcome_strategy

Educational analysis of structural product characteristics. Not investment advice. Always read the fund prospectus and consult a qualified advisor before investing. More

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Data updated on 2026-06-19