What happens if I buy a buffered ETF when the reference asset is up, but has not cleared the hurdle (0-5% for ARK DIET)?
Buying a buffered ETF, such as one of ARK’s DIET Buffer ETFs, after it has gone up a small amount—between 0% and 5%—means an investor is entering before the upside hurdle is cleared, but after the price has moved a bit.
In this range:
- Downside protection is likely still intact, depending on how much the reference asset, for ARK DIET, ARKK – the ARK Disruptive Innovation ETF, has moved.
- An investor has not yet begun to participate in the upside gains, because the hurdle (for ARK DIET: 5%) hasn’t been cleared.
This means an investor is currently in the “neutral zone” of the defined outcome:
- If the reference asset (ARKK) continues upward and crosses the hurdle, the investor will begin participating in gains (at the participation rate).
- If the reference asset (ARKK) drops, the buffer will begin absorbing losses.
Buying in this range requires close attention to both:
- The current net asset value (“NAV”) of the fund
- The status of the outcome structure—what’s been used, and what’s left.
ARK publishes this data regularly to help investors decide if the current entry point aligns with their goals.