INCMvsIRTRETF Comparison
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Franklin Income Focus ETF (INCM) belongs to the Multi-Asset: Other segment. iShares LifePath Retirement ETF (IRTR) is part of the Multi-Asset: Moderate segment. INCM's top 3 sector exposures are Finance, Utilities and Consumer Non-Cyclicals. In contrast, IRTR's top sector exposures are Sovereign, Technology and Finance. INCM is more expensive with a Total Expense Ratio (TER) of 0.38%, versus 0.08% for IRTR. INCM is up 3.89% year-to-date (YTD) with +$753M in YTD flows. IRTR performs better with 4.59% YTD performance, and +$18M in YTD flows. Run a side-by-side ETF comparison of INCM 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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INCM 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. | INCM IRTR | -1.78%-1.03% | -0.35%-0.79% | +3.89%+4.59% | +5.56%+6.57% | +28.71%n/a | n/an/a |
| Flows | INCM IRTR | +$104M+$1M | +$294M+$5M | +$753M+$18M | +$996M+$30M | +$1.69B- | -- |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | INCM IRTR | +5.09%+5.96% | +5.12%+6.61% | +6.46%n/a | n/an/a |
| Max drawdown | INCM IRTR | -2.20%-2.17% | -3.40%-4.81% | -7.53%n/a | n/an/a |
| Max drawdown duration | INCM IRTR | 30d36d | 167d50d | 96dn/a | n/an/a |
Trading data
INCM | IRTR | |
Last sale 9/21/2026 at 1:30 PM | $29.11 | $31.82 |
| Previous close 09/18/2026 | $29.06 | $31.58 |
| Consolidated volume 09/18/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
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Main metrics
Last update 9/21/2026 at 1:30 PM
Live
Closed
INCM | IRTR | |
|---|---|---|
| Last price | $29.11 | $31.82 |
| 1D performance | +0.15% | +0.76% |
| AuM | $1.88 B | $59.40 M |
| E/R | 0.38% | 0.08% |
Characteristics
INCM | IRTR | |
|---|---|---|
| Management strategy | Active | Active |
| Provider | Franklin Templeton | iShares |
| Benchmark | - | - |
| N° of holdings | 312 | 20897 |
| Asset class | - | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 8, 2023 | October 17, 2023 |
| ESG | No | No |
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Exposure
Countries
INCM
USA
73.14%
Other
26.86%
IRTR
USA
73.73%
Other
26.27%
Sectors
INCM
Finance
11.31%
Utilities
9.74%
Consumer Non-Cycl.
8.07%
Sovereign
7.64%
Industrials
7.59%
Other
55.65%
IRTR
Sovereign
37.48%
Technology
13.5%
Finance
11.41%
Industrials
7.73%
Other
29.88%
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Diversification
INCM
Total weight of top 15 holdings out of 15
18.54%
IRTR
Total weight of top 15 holdings out of 15
13.18%
Top 15 holdings
Data as of July 31, 2026
INCM
Procter & Gamble Co.
1.98%
Verizon Communications, Inc.
1.70%
ExxonMobil Holdings Corp.
1.48%
Chevron Corp.
1.32%
USA, Notes 4% 15nov2035, USD (F-2035)
1.31%
PepsiCo, Inc.
1.26%
Duke Energy Corp.
1.25%
DTE Energy Co.
1.21%
Community Health Systems (CHS), 9.75% 15jan2034, USD
1.14%
Roche Holding AG
1.02%
Nestlé SA
1.00%
Shell Plc
0.99%
USA, Bonds 4.75% 15may2055, USD
0.98%
The Coca-Cola Co.
0.96%
US90304M5351
0.94%
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 INCM and IRTR
How have the INCM and IRTR ETFs performed in 2026?
As of September 18, 2026, INCM is up 3.89% year-to-date (YTD), while IRTR has returned 4.59%. That puts IRTR better performer ahead so far this year.
Which ETF is attracting more investor money: INCM or IRTR?
Year-to-date, the INCM ETF saw +$753M in flows, compared to +$18M for IRTR.
Which ETF is more volatile: INCM or IRTR?
Over the past year, INCM had a volatility of 5.12%, while IRTR experienced 6.61%.
Which ETF is bigger: INCM or IRTR?
As of September 18, 2026, INCM holds $1.88 B in assets under management (AUM), while IRTR manages $59.40 M.
What sectors do the INCM and IRTR ETFs invest in?
INCM leans toward sectors like Finance, Utilities and Consumer Non-Cyclicals. Meanwhile, IRTR focuses on Sovereign, Technology and Finance.
What are the top holdings of the INCM ETF and IRTR ETF?
INCM top holdings include Procter & Gamble Co., Verizon Communications, Inc. and ExxonMobil Holdings Corp.. IRTR holds in its top three: Apple, Inc., NVIDIA Corp. and USA, Notes 1.375% 15nov2031, USD (F-2031).
Which ETF is more diversified: INCM or IRTR?
INCM holds 381 securities with 18.54% 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 INCM & 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
Franklin Income Focus ETF (NYSE Arca: INCM)
June 23, 2023
INCM
Franklin Incomes New Multi Asset ETF
June 15, 2023
INCM
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