FINS vs GBND
Angel Oak Financial Strategies Income Term Trust vs Goldman Sachs Core Bond ETF
Which is better, FINS or GBND?
FINS has been ahead.
FINS led over 1Y and the full window.
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 | FINS | GBND |
|---|---|---|
| Expense Ratio | - | 0.25% |
| AUM | $434M | $601M |
| Dividend Yield | 10.60% | 4.01% |
| Holdings | 242 | 747 |
| YTD Return | -2.43% | -2.40%Best |
| 1Y Return | +0.95%Best | -2.18% |
| 3Y Return (annualized) | +10.09% | - |
| 5Y Return (annualized) | +2.59% | - |
| Volatility (annualized) | 7.2% | 4.0%Best |
| Max Drawdown | -10.8% | -4.9%Best |
| $10,000 over 1.3 years | $10,505Best | $10,090 |
| Fund Family | Angel Oak Capital Advisors | Goldman Sachs Asset Management |
| Category | Fixed Income | Fixed Income |
| Inception | May 29, 2019 | Jun 24, 2025 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: Jun 26, 2025 to Oct 14, 2026 (1.3 years).
FINS vs GBND 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 1.3 years both funds cover.
FINS vs GBND Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors and Goldman Sachs Core Bond ETF (GBND) is an ETF from Goldman Sachs Asset Management. Over the past year FINS returned +0.95% while GBND returned -2.18%. Year to date, FINS is down 2.43% versus a loss of 2.40% for GBND.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINS has been the more volatile fund, with annualized monthly volatility of 7.2% compared with 4.0% for GBND. 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 -10.8% for FINS and -4.9% for GBND. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.
Holdings Overlap
We hold position weights for 63 holdings in FINS and 480 in GBND, totalling 37.4% and 52.2% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 4 positions appear in both.
The two holdings books were reported 46 days apart, FINS as of Jul 31, 2026 and GBND as of Sep 15, 2026, so some of the difference between them is the time between the two reports rather than the funds.
4 positions in common, counted across the 63 positions we hold weights for in FINS and 480 in GBND, against full books of 242 and 747.
Top Shared Holdings
| Stock | Weight in FINS | Weight in GBND | Difference |
|---|---|---|---|
| HBAN V5.709 02/02/35Huntington Bancshares Inc/Oh 5.709%/Var 02/02/2035 | 2.01% | 0.08% | 1.93% |
| MS V5.587 01/18/36Morgan Stanley Callable Notes Variable 18/Jan/2036 5.587% 01/18/2036 | 1.45% | 0.05% | 1.40% |
| BAC V5.015 07/22/33 | 1.32% | 0.03% | 1.29% |
| COF V6.183 01/30/36Capital One Finan V/R 01/30/36 | 0.67% | 0.02% | 0.65% |
You are not choosing between two funds in isolation.
Whichever of FINS and GBND 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, FINS or GBND?
Over the past year FINS returned +0.95% vs -2.18% for GBND, so FINS leads on 1-year performance. Over the longest common window we track (1 years), FINS annualized +3.86% vs +0.69% for GBND. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FINS or GBND?
FINS has been the more volatile fund at 7.2% annualized versus 4.0% for GBND. Worst drawdown: FINS -10.8% vs GBND -4.9%.
Should I hold both FINS and GBND?
FINS and GBND have a monthly-return correlation of 0.78, 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, FINS or GBND?
FINS yields 10.60% while GBND yields 4.01%, so FINS currently pays the higher dividend yield.
Is GBND better than FINS?
FINS led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.