What happens if I buy when the fund has already cleared the “hurdle” (the reference asset is up >5%)?
If an investor buys a buffered ETF, like one of ARK’s DIET Buffer ETFs, after it has already cleared the hurdle, in the case of ARK DIET, risen more than 5% during its current 12-month outcome period, they're entering at a time when the remaining upside is limited, depending on the structure’s participation rate.
This has a few implications:
- An investor might have little to no room for additional gains—because the ETF has already captured most of the available upside.
- The buffer may also be reduced or partially used, offering less downside protection.
- Personal investment outcomes will be different from what was originally defined at the start of the period.