IRTRvsGALETF Comparison
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iShares LifePath Retirement ETF (IRTR) and State Street SPDR Global Allocation ETF (GAL) belong to the same industry segment: Multi-Asset: Moderate. Both ETFs have the same top 3 sector exposures: Sovereign, Technology and Finance. IRTR is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.35% for GAL. IRTR is up 4.63% year-to-date (YTD) with +$18M in YTD flows. GAL performs better with 8.96% YTD performance, and +$22M in YTD flows. Run a side-by-side ETF comparison of IRTR and GAL 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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IRTR vs GAL performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/10/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | IRTR GAL | -1.14%-0.77% | +1.09%+2.82% | +4.63%+8.96% | +7.15%+12.53% | n/a+45.86% | n/a+33.70% |
| Flows | IRTR GAL | +$1M+$5M | +$6M+$12M | +$18M+$22M | +$31M+$25M | -+$7M | --$5M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | IRTR GAL | +6.51%+8.63% | +6.57%+9.38% | n/a+9.52% | n/a+10.56% |
| Max drawdown | IRTR GAL | -1.87%-2.50% | -4.81%-6.29% | n/a-9.12% | n/a-21.64% |
| Max drawdown duration | IRTR GAL | 28d49d | 50d48d | n/a81d | n/a918d |
Trading data
IRTR | GAL | |
Last sale 9/11/2026 at 1:30 PM | $31.69 | $53.54 |
| Previous close 09/10/2026 | $31.60 | $53.29 |
| Consolidated volume 09/10/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
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Main metrics
Last update 9/11/2026 at 1:30 PM
Live
Closed
IRTR | GAL | |
|---|---|---|
| Last price | $31.69 | $53.54 |
| 1D performance | +0.29% | +0.47% |
| AuM | $59.42 M | $317.54 M |
| E/R | 0.08% | 0.35% |
Characteristics
IRTR | GAL | |
|---|---|---|
| Management strategy | Active | Active |
| Provider | iShares | State Street Investment Management |
| Benchmark | - | - |
| N° of holdings | 20897 | 14545 |
| Asset class | - | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | October 17, 2023 | April 25, 2012 |
| ESG | No | No |
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Exposure
Countries
IRTR
USA
73.73%
Other
26.27%
GAL
USA
54.07%
Other
45.93%
Sectors
IRTR
Sovereign
37.48%
Technology
13.5%
Finance
11.41%
Industrials
7.73%
Other
29.88%
GAL
Sovereign
16.91%
Technology
16.74%
Finance
12.06%
Industrials
7.41%
Other
46.88%
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Diversification
IRTR
Total weight of top 15 holdings out of 15
13.18%
GAL
Total weight of top 15 holdings out of 15
29.71%
Top 15 holdings
Data as of July 31, 2026
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%
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%
Frequently asked questions about IRTR and GAL
How have the IRTR and GAL ETFs performed in 2026?
As of September 10, 2026, IRTR is up 4.63% year-to-date (YTD), while GAL has returned 8.96%. That puts GAL better performer ahead so far this year.
Which ETF is attracting more investor money: IRTR or GAL?
Year-to-date, the IRTR ETF saw +$18M in flows, compared to +$22M for GAL.
Which ETF is more volatile: IRTR or GAL?
Over the past year, IRTR had a volatility of 6.57%, while GAL experienced 9.38%.
Which ETF is bigger: IRTR or GAL?
As of September 10, 2026, IRTR holds $59.42 M in assets under management (AUM), while GAL manages $317.54 M.
What sectors do the IRTR and GAL ETFs invest in?
IRTR leans toward sectors like Sovereign, Technology and Finance. Meanwhile, GAL focuses on Sovereign, Technology and Finance.
What are the top holdings of the IRTR ETF and GAL ETF?
IRTR top holdings include Apple, Inc., NVIDIA Corp. and USA, Notes 1.375% 15nov2031, USD (F-2031). GAL holds in its top three: US78463X5095, US78468R4406 and US78464A1512.
Which ETF is more diversified: IRTR or GAL?
IRTR holds 29198 securities with 13.18% of its assets in the top 15. GAL has 16005 securities and a top 15 weight of 29.71%.
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Latest news about IRTR & GAL
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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