IRTRvsINCMETF Comparison
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iShares LifePath Retirement ETF (IRTR) belongs to the Multi-Asset: Moderate segment. Franklin Income Focus ETF (INCM) is part of the Multi-Asset: Other segment. IRTR's top 3 sector exposures are Sovereign, Technology and Finance. In contrast, INCM's top sector exposures are Finance, Utilities and Consumer Non-Cyclicals. IRTR is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.38% for INCM. IRTR is up 4.93% year-to-date (YTD) with +$18M in YTD flows. INCM performs worse with 4.65% YTD performance, and +$721M in YTD flows. Run a side-by-side ETF comparison of IRTR and INCM 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 INCM performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/11/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | IRTR INCM | -0.86%-0.94% | +0.18%-0.02% | +4.93%+4.65% | +6.93%+6.14% | n/a+29.86% | n/an/a |
| Flows | IRTR INCM | +$1M+$94M | +$6M+$281M | +$18M+$721M | +$30M+$974M | -+$1.66B | -- |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | IRTR INCM | +6.08%+5.11% | +6.56%+5.07% | n/a+6.45% | n/an/a |
| Max drawdown | IRTR INCM | -1.87%-1.77% | -4.81%-3.40% | n/a-7.53% | n/an/a |
| Max drawdown duration | IRTR INCM | 28d23d | 50d167d | n/a96d | n/an/a |
Trading data
IRTR | INCM | |
Last sale 9/11/2026 at 1:30 PM | $31.69 | $29.23 |
| Previous close 09/10/2026 | $31.60 | $29.19 |
| 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 | INCM | |
|---|---|---|
| Last price | $31.69 | $29.23 |
| 1D performance | +0.29% | +0.14% |
| AuM | $59.59 M | $1.86 B |
| E/R | 0.08% | 0.38% |
Characteristics
IRTR | INCM | |
|---|---|---|
| Management strategy | Active | Active |
| Provider | iShares | Franklin Templeton |
| Benchmark | - | - |
| N° of holdings | 20897 | 312 |
| Asset class | - | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | October 17, 2023 | June 8, 2023 |
| ESG | No | No |
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Exposure
Countries
IRTR
USA
73.73%
Other
26.27%
INCM
USA
73.14%
Other
26.86%
Sectors
IRTR
Sovereign
37.48%
Technology
13.5%
Finance
11.41%
Industrials
7.73%
Other
29.88%
INCM
Finance
11.31%
Utilities
9.74%
Consumer Non-Cycl.
8.07%
Sovereign
7.64%
Industrials
7.59%
Other
55.65%
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Diversification
IRTR
Total weight of top 15 holdings out of 15
13.18%
INCM
Total weight of top 15 holdings out of 15
18.54%
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%
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%
Frequently asked questions about IRTR and INCM
How have the IRTR and INCM ETFs performed in 2026?
As of September 11, 2026, IRTR is up 4.93% year-to-date (YTD), while INCM has returned 4.65%. That puts IRTR better performer ahead so far this year.
Which ETF is attracting more investor money: IRTR or INCM?
Year-to-date, the IRTR ETF saw +$18M in flows, compared to +$721M for INCM.
Which ETF is more volatile: IRTR or INCM?
Over the past year, IRTR had a volatility of 6.56%, while INCM experienced 5.07%.
Which ETF is bigger: IRTR or INCM?
As of September 11, 2026, IRTR holds $59.59 M in assets under management (AUM), while INCM manages $1.86 B.
What sectors do the IRTR and INCM ETFs invest in?
IRTR leans toward sectors like Sovereign, Technology and Finance. Meanwhile, INCM focuses on Finance, Utilities and Consumer Non-Cyclicals.
What are the top holdings of the IRTR ETF and INCM ETF?
IRTR top holdings include Apple, Inc., NVIDIA Corp. and USA, Notes 1.375% 15nov2031, USD (F-2031). INCM holds in its top three: Procter & Gamble Co., Verizon Communications, Inc. and ExxonMobil Holdings Corp..
Which ETF is more diversified: IRTR or INCM?
IRTR holds 29198 securities with 13.18% of its assets in the top 15. INCM has 381 securities and a top 15 weight of 18.54%.
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Latest news about IRTR & INCM
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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