FINS vs TOTR
Angel Oak Financial Strategies Income Term Trust vs T. Rowe Price Total Return ETF
Which is better, FINS or TOTR?
FINS has been ahead.
FINS led over 1Y, 3Y, 5Y 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 | TOTR |
|---|---|---|
| Expense Ratio | - | 0.31% |
| AUM | $434M | $566M |
| Dividend Yield | 10.60% | 5.48% |
| Holdings | 242 | 1,222 |
| YTD Return | -2.43% | -2.17%Best |
| 1Y Return | +0.95%Best | -1.73% |
| 3Y Return (annualized) | +10.09%Best | +5.04% |
| 5Y Return (annualized) | +2.59%Best | -0.85% |
| Volatility (annualized) | 8.1% | 6.6%Best |
| Max Drawdown | -22.6% | -19.6%Best |
| $10,000 over 5 years | $11,364Best | $9,582 |
| Fund Family | Angel Oak Capital Advisors | T.Rowe Price |
| Category | Fixed Income | Fixed Income |
| Inception | May 29, 2019 | Sep 28, 2021 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown are measured over the window both funds cover: Sep 29, 2021 to Oct 14, 2026 (5 years).
FINS vs TOTR 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 5 years both funds cover.
FINS vs TOTR Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors and T. Rowe Price Total Return ETF (TOTR) is an ETF from T.Rowe Price. Over the past year FINS returned +0.95% while TOTR returned -1.73%. Year to date, FINS is down 2.43% versus a loss of 2.17% for TOTR.
Over three years, FINS compounded at +10.09% per year against +5.04% for TOTR; over five years the annualized figures are +2.59% and -0.85% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINS has been the more volatile fund, with annualized monthly volatility of 8.1% compared with 6.6% for TOTR. 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 -22.6% for FINS and -19.6% for TOTR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.58. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 63 holdings in FINS and 522 in TOTR, totalling 37.4% and 55.1% 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, 1 positions appear in both.
The two holdings books were reported 46 days apart, FINS as of Jul 31, 2026 and TOTR as of Sep 15, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 63 positions we hold weights for in FINS and 522 in TOTR, against full books of 242 and 1,222.
Top Shared Holdings
| Stock | Weight in FINS | Weight in TOTR | Difference |
|---|---|---|---|
| BAC V5.015 07/22/33 | 1.32% | 0.14% | 1.18% |
You are not choosing between two funds in isolation.
Whichever of FINS and TOTR 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 TOTR?
Over the past year FINS returned +0.95% vs -1.73% for TOTR, so FINS leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FINS or TOTR?
FINS has been the more volatile fund at 8.1% annualized versus 6.6% for TOTR. Worst drawdown: FINS -22.6% vs TOTR -19.6%.
Should I hold both FINS and TOTR?
FINS and TOTR have a monthly-return correlation of 0.58, 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 TOTR?
FINS yields 10.60% while TOTR yields 5.48%, so FINS currently pays the higher dividend yield.
Is TOTR better than FINS?
FINS led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.