BNDC vs FINS
Northern Trust Core Bond ETF vs Angel Oak Financial Strategies Income Term Trust
Which is better, BNDC or FINS?
Each has led over a different period.
BNDC led over the full window, FINS over 1Y, 3Y and 5Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BNDC | FINS |
|---|---|---|
| Expense Ratio | 0.38% | - |
| AUM | $165M | $434M |
| Dividend Yield | 4.33% | 10.60% |
| Holdings | 16 | 242 |
| YTD Return | -2.88% | -2.43%Best |
| 1Y Return | -2.81% | +0.95%Best |
| 3Y Return (annualized) | +4.23% | +10.09%Best |
| 5Y Return (annualized) | -0.95% | +2.59%Best |
| Volatility (annualized) | 5.8%Best | 10.6% |
| Max Drawdown | -20.1%Best | -41.5% |
| $10,000 over 5 years | $9,534 | $11,364Best |
| Fund Family | Northern Trust Asset Management | Angel Oak Capital Advisors |
| Category | Fixed Income | Fixed Income |
| Inception | Nov 18, 2016 | May 29, 2019 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown are measured over the window both funds cover: May 29, 2019 to Oct 14, 2026 (7.4 years).
BNDC vs FINS growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 7.4 years both funds cover.
BNDC vs FINS Performance
Northern Trust Core Bond ETF (BNDC) is an ETF from Northern Trust Asset Management and Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors. Over the past year BNDC returned -2.81% while FINS returned +0.95%. Year to date, BNDC is down 2.88% versus a loss of 2.43% for FINS.
Over three years, BNDC compounded at +4.23% per year against +10.09% for FINS; over five years the annualized figures are -0.95% and +2.59% respectively. Across the full 7-year window we track, BNDC has the edge at +0.28% annualized vs +0.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINS has been the more volatile fund, with annualized monthly volatility of 10.6% compared with 5.8% for BNDC. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -20.1% for BNDC and -41.5% for FINS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.36. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 7 holdings in BNDC and 63 in FINS, totalling 99.2% and 37.4% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 62 days apart, BNDC as of Oct 1, 2026 and FINS as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 7 positions we hold weights for in BNDC and 63 in FINS, against full books of 16 and 242.
You are not choosing between two funds in isolation.
Whichever of BNDC and FINS you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which performed better, BNDC or FINS?
Over the past year BNDC returned -2.81% vs +0.95% for FINS, so FINS leads on 1-year performance. Over the longest common window we track (7 years), BNDC annualized +0.28% vs +0.12% for FINS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BNDC or FINS?
FINS has been the more volatile fund at 10.6% annualized versus 5.8% for BNDC. Worst drawdown: BNDC -20.1% vs FINS -41.5%.
Should I hold both BNDC and FINS?
BNDC and FINS have a monthly-return correlation of 0.36, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, BNDC or FINS?
BNDC yields 4.33% while FINS yields 10.60%, so FINS currently pays the higher dividend yield.
Is FINS better than BNDC?
BNDC led over the full window, FINS over 1Y, 3Y and 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.