IRTRvsINKMETF Comparison
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iShares LifePath Retirement ETF (IRTR) belongs to the Multi-Asset: Moderate segment. State Street SPDR Income Allocation ETF (INKM) is part of the Multi-Asset: Conservative segment. IRTR's top 3 sector exposures are Sovereign, Technology and Finance. In contrast, INKM's top sector exposures are Sovereign, Finance and Technology. IRTR is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.5% for INKM. IRTR is up 4.63% year-to-date (YTD) with +$18M in YTD flows. INKM performs better with 5.77% YTD performance, and +$10M in YTD flows. Run a side-by-side ETF comparison of IRTR and INKM 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 INKM 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 INKM | -1.14%-1.39% | +1.09%+0.61% | +4.63%+5.77% | +7.15%+7.51% | n/a+31.67% | n/a+20.72% |
| Flows | IRTR INKM | +$1M+$6M | +$6M+$9M | +$18M+$10M | +$31M+$4M | --$418K | --$21M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | IRTR INKM | +6.51%+5.52% | +6.57%+6.11% | n/a+7.35% | n/a+8.34% |
| Max drawdown | IRTR INKM | -1.87%-2.20% | -4.81%-4.54% | n/a-6.63% | n/a-19.16% |
| Max drawdown duration | IRTR INKM | 28d16d | 50d87d | n/a75d | n/a996d |
Trading data
IRTR | INKM | |
Last sale 9/11/2026 at 1:30 PM | $31.69 | $34.23 |
| Previous close 09/10/2026 | $31.60 | $34.16 |
| 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 | INKM | |
|---|---|---|
| Last price | $31.69 | $34.23 |
| 1D performance | +0.29% | +0.19% |
| AuM | $59.42 M | $79.92 M |
| E/R | 0.08% | 0.5% |
Characteristics
IRTR | INKM | |
|---|---|---|
| Management strategy | Active | Active |
| Provider | iShares | State Street Investment Management |
| Benchmark | - | - |
| N° of holdings | 20897 | 3309 |
| 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%
INKM
USA
65.28%
Other
34.72%
Sectors
IRTR
Sovereign
37.48%
Technology
13.5%
Finance
11.41%
Industrials
7.73%
Other
29.88%
INKM
Sovereign
25.26%
Finance
16.72%
Technology
8.63%
Industrials
8.11%
Utilities
7.71%
Other
33.56%
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Diversification
IRTR
Total weight of top 15 holdings out of 15
13.18%
INKM
Total weight of top 15 holdings out of 15
14.55%
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%
INKM
US78467V6083
5.91%
US78464A3674
0.97%
NVIDIA Corp.
0.92%
Microsoft Corp.
0.70%
Transurban Group Ltd.
0.65%
Alphabet, Inc.
0.60%
NextEra Energy, Inc.
0.58%
Aena S.M.E. SA
0.58%
Apple, Inc.
0.57%
Chevron Corp.
0.55%
Amazon.com, Inc.
0.54%
The Home Depot, Inc.
0.52%
PepsiCo, Inc.
0.50%
Abbott Laboratories
0.49%
Verizon Communications, Inc.
0.49%
Frequently asked questions about IRTR and INKM
How have the IRTR and INKM ETFs performed in 2026?
As of September 10, 2026, IRTR is up 4.63% year-to-date (YTD), while INKM has returned 5.77%. That puts INKM better performer ahead so far this year.
Which ETF is attracting more investor money: IRTR or INKM?
Year-to-date, the IRTR ETF saw +$18M in flows, compared to +$10M for INKM.
Which ETF is more volatile: IRTR or INKM?
Over the past year, IRTR had a volatility of 6.57%, while INKM experienced 6.11%.
Which ETF is bigger: IRTR or INKM?
As of September 10, 2026, IRTR holds $59.42 M in assets under management (AUM), while INKM manages $79.92 M.
What sectors do the IRTR and INKM ETFs invest in?
IRTR leans toward sectors like Sovereign, Technology and Finance. Meanwhile, INKM focuses on Sovereign, Finance and Technology.
What are the top holdings of the IRTR ETF and INKM ETF?
IRTR top holdings include Apple, Inc., NVIDIA Corp. and USA, Notes 1.375% 15nov2031, USD (F-2031). INKM holds in its top three: US78467V6083, US78464A3674 and NVIDIA Corp..
Which ETF is more diversified: IRTR or INKM?
IRTR holds 29198 securities with 13.18% of its assets in the top 15. INKM has 3421 securities and a top 15 weight of 14.55%.
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Latest news about IRTR & INKM
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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