GALvsIRTRETF Comparison
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State Street SPDR Global Allocation ETF (GAL) and iShares LifePath Retirement ETF (IRTR) belong to the same industry segment: Multi-Asset: Moderate. Both ETFs have the same top 3 sector exposures: Sovereign, Technology and Finance. GAL is more expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.08% for IRTR. GAL is up 8.96% year-to-date (YTD) with +$23M in YTD flows. IRTR performs worse with 4.59% YTD performance, and +$18M in YTD flows. Run a side-by-side ETF comparison of GAL and IRTR below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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GAL vs IRTR performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/18/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | GAL IRTR | -0.52%-1.03% | +0.47%-0.79% | +8.96%+4.59% | +11.26%+6.57% | +46.41%n/a | +35.99%n/a |
| Flows | GAL IRTR | +$5M+$1M | +$14M+$5M | +$23M+$18M | +$25M+$30M | +$9M- | -$4M- |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | GAL IRTR | +7.88%+5.96% | +9.41%+6.61% | +9.52%n/a | +10.54%n/a |
| Max drawdown | GAL IRTR | -2.16%-2.17% | -6.29%-4.81% | -9.12%n/a | -21.64%n/a |
| Max drawdown duration | GAL IRTR | 28d36d | 48d50d | 81dn/a | 918dn/a |
Trading data
GAL | IRTR | |
Last sale 9/18/2026 at 1:30 PM | $53.27 | $31.58 |
| Previous close 09/17/2026 | $53.41 | $31.68 |
| Consolidated volume 09/17/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
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Main metrics
Last update 9/18/2026 at 1:30 PM
Live
Closed
GAL | IRTR | |
|---|---|---|
| Last price | $53.27 | $31.58 |
| 1D performance | -0.26% | -0.32% |
| AuM | $319.14 M | $59.40 M |
| E/R | 0.35% | 0.08% |
Characteristics
GAL | IRTR | |
|---|---|---|
| Management strategy | Active | Active |
| Provider | State Street Investment Management | iShares |
| Benchmark | - | - |
| N° of holdings | 14545 | 20897 |
| Asset class | - | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | April 25, 2012 | October 17, 2023 |
| ESG | No | No |
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Exposure
Countries
GAL
USA
54.07%
Other
45.93%
IRTR
USA
73.73%
Other
26.27%
Sectors
GAL
Sovereign
16.91%
Technology
16.74%
Finance
12.06%
Industrials
7.41%
Other
46.88%
IRTR
Sovereign
37.48%
Technology
13.5%
Finance
11.41%
Industrials
7.73%
Other
29.88%
Diversification
GAL
Total weight of top 15 holdings out of 15
29.71%
IRTR
Total weight of top 15 holdings out of 15
13.18%
Top 15 holdings
Data as of July 31, 2026
GAL
US78463X5095
6.95%
US78468R4406
3.63%
US78464A1512
3.00%
US78464A3674
2.91%
US78467V6083
2.49%
NVIDIA Corp.
2.15%
Apple, Inc.
2.01%
Microsoft Corp.
1.53%
Amazon.com, Inc.
1.18%
Alphabet, Inc.
0.92%
Broadcom Inc.
0.82%
Alphabet, Inc.
0.75%
Meta Platforms, Inc.
0.54%
JPMorgan Chase & Co.
0.42%
Berkshire Hathaway, Inc.
0.42%
IRTR
Apple, Inc.
1.68%
NVIDIA Corp.
1.58%
USA, Notes 1.375% 15nov2031, USD (F-2031)
1.32%
Microsoft Corp.
1.17%
BlackRock Cash Funds - Institutional
1.01%
Amazon.com, Inc.
0.80%
BlackRock Cash Funds - Treasury
0.78%
USA, Notes 2.625% 15feb2029, USD (B-2029)
0.74%
Alphabet, Inc.
0.68%
USA, Notes 2.75% 15feb2028, USD (B-2028)
0.66%
Broadcom Inc.
0.63%
Alphabet, Inc.
0.55%
USA, TIPS 1.125% 15oct2030, USD (AE-2030)
0.53%
Taiwan Semiconductor Manufacturing Co., Ltd.
0.53%
USA, TIPS 1.25% 15apr2031, USD (X-2031)
0.52%
Frequently asked questions about GAL and IRTR
How have the GAL and IRTR ETFs performed in 2026?
As of September 18, 2026, GAL is up 8.96% year-to-date (YTD), while IRTR has returned 4.59%. That puts GAL better performer ahead so far this year.
Which ETF is attracting more investor money: GAL or IRTR?
Year-to-date, the GAL ETF saw +$23M in flows, compared to +$18M for IRTR.
Which ETF is more volatile: GAL or IRTR?
Over the past year, GAL had a volatility of 9.41%, while IRTR experienced 6.61%.
Which ETF is bigger: GAL or IRTR?
As of September 18, 2026, GAL holds $319.14 M in assets under management (AUM), while IRTR manages $59.40 M.
What sectors do the GAL and IRTR ETFs invest in?
GAL leans toward sectors like Sovereign, Technology and Finance. Meanwhile, IRTR focuses on Sovereign, Technology and Finance.
What are the top holdings of the GAL ETF and IRTR ETF?
GAL top holdings include US78463X5095, US78468R4406 and US78464A1512. IRTR holds in its top three: Apple, Inc., NVIDIA Corp. and USA, Notes 1.375% 15nov2031, USD (F-2031).
Which ETF is more diversified: GAL or IRTR?
GAL holds 16005 securities with 29.71% of its assets in the top 15. IRTR has 29198 securities and a top 15 weight of 13.18%.
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Latest news about GAL & IRTR
How to Pick the Right ETF for Your Self-Directed Retirement Account
September 4, 2024
IRTR
A Close Look at Blackrock's New iShares Lifepath Target-Date ETFs
December 8, 2023
IRTR
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