EAOM vs. IRTR

Last updated Jun 5, 2026

EAOM (iShares ESG Aware Moderate Allocation ETF) and IRTR (Ishares Lifepath Retirement ETF) are both exchange-traded funds - EAOM is a Diversified Portfolio fund tracking the BlackRock ESG Aware Moderate Allocation Index, while IRTR is a Target Retirement Date fund actively managed by iShares. EAOM is passively managed, while IRTR is actively managed. Over the past year, EAOM returned 14.38% vs 13.84% for IRTR. With a 0.98 correlation, they move nearly in lockstep. EAOM charges 0.18%/yr vs 0.08%/yr for IRTR.

Performance

EAOM vs. IRTR - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in iShares ESG Aware Moderate Allocation ETF (EAOM) and Ishares Lifepath Retirement ETF (IRTR). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with EAOM having a 5.30% return and IRTR slightly higher at 5.36%.

EAOM

• 1D: 0.21%
• 1M: 2.02%
• YTD: 5.30%
• 6M: 5.55%
• 1Y: 14.38%
• 3Y*: 10.61%
• 5Y*: 4.32%
• 10Y*: —

IRTR

• 1D: 0.21%
• 1M: 1.82%
• YTD: 5.36%
• 6M: 5.66%
• 1Y: 13.84%
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

EAOM vs. IRTR - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023
EAOM iShares ESG Aware Moderate Allocation ETF	5.30%	12.90%	7.29%	10.70%
IRTR Ishares Lifepath Retirement ETF	5.36%	12.70%	7.59%	10.63%

Correlation

The correlation between EAOM and IRTR is 0.97 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.97
Correlation (All Time) Calculated using the full available price history since Oct 20, 2023	0.98

The correlation between EAOM and IRTR has been stable across timeframes, ranging from 0.97 to 0.98 - a consistent structural relationship.

EAOM vs. IRTR - Sectors Allocation Comparison

Sectors	EAOM	IRTR
Technology	30.2%	26.8%
Financial Services	16.6%	15.0%
Industrials	11.0%	12.6%
Consumer Cyclical	9.5%	9.0%
Healthcare	8.6%	7.7%
Communication Services	8.3%	8.0%
Consumer Defensive	4.4%	4.6%
Energy	3.8%	4.9%
Basic Materials	2.8%	3.8%
Utilities	2.5%	4.3%
Real Estate	2.3%	3.5%

Return for Risk

EAOM vs. IRTR — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

EAOM

EAOM Risk / Return Rank: 68
EAOM Sharpe Ratio Rank: 69
EAOM Sortino Ratio Rank: 73
EAOM Omega Ratio Rank: 72
EAOM Calmar Ratio Rank: 57
EAOM Martin Ratio Rank: 68

IRTR

IRTR Risk / Return Rank: 70
IRTR Sharpe Ratio Rank: 72
IRTR Sortino Ratio Rank: 76
IRTR Omega Ratio Rank: 76
IRTR Calmar Ratio Rank: 59
IRTR Martin Ratio Rank: 69

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

EAOM vs. IRTR - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for iShares ESG Aware Moderate Allocation ETF (EAOM) and Ishares Lifepath Retirement ETF (IRTR). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	EAOM	IRTR	Difference
Sharpe ratio: Return per unit of total volatility	2.25	2.32	-0.07
Sortino ratio: Return per unit of downside risk	3.25	3.37	-0.13
Omega ratio: Gain probability vs. loss probability	1.42	1.45	-0.02
Calmar ratio: Return relative to maximum drawdown	2.79	2.88	-0.09
Martin ratio: Return relative to average drawdown	12.30	12.70	-0.40
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

EAOM vs. IRTR - Sharpe Ratio Comparison

The current EAOM Sharpe Ratio is 2.25, which is comparable to the IRTR Sharpe Ratio of 2.32. The chart below compares the historical Sharpe Ratios of EAOM and IRTR, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	EAOM	IRTR	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.25	2.32	-0.07
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.54	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.76	2.02	-1.26

Drawdowns

EAOM vs. IRTR - Drawdown Comparison

The maximum EAOM drawdown since its inception was -20.73%, which is greater than IRTR's maximum drawdown of -6.29%. Use the drawdown chart below to compare losses from any high point for EAOM and IRTR.

Drawdown Indicators

	EAOM	IRTR	Difference
Max Drawdown Largest peak-to-trough decline	-20.73%	-6.29%	-14.44%
Max Drawdown (1Y) Largest decline over 1 year	-5.17%	-4.82%	-0.35%
Max Drawdown (3Y) Largest decline over 3 years	-7.63%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-20.73%	—	—
Current Drawdown Current decline from peak	-0.24%	-0.20%	-0.04%
Average Drawdown Average peak-to-trough decline	-4.96%	-0.78%	-4.18%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.17%	1.09%	+0.08%

Volatility

EAOM vs. IRTR - Volatility Comparison

iShares ESG Aware Moderate Allocation ETF (EAOM) has a higher volatility of 2.27% compared to Ishares Lifepath Retirement ETF (IRTR) at 2.12%. This indicates that EAOM's price experiences larger fluctuations and is considered to be riskier than IRTR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	EAOM	IRTR	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.27%	2.12%	+0.15%
Volatility (6M) Calculated over the trailing 6-month period	5.24%	4.85%	+0.39%
Volatility (1Y) Calculated over the trailing 1-year period	6.44%	6.00%	+0.44%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	8.06%	7.03%	+1.03%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	7.90%	7.03%	+0.87%

EAOM vs. IRTR - Expense Ratio Comparison

EAOM has a 0.18% expense ratio, which is higher than IRTR's 0.08% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

EAOM vs. IRTR - Dividend Comparison

EAOM's dividend yield for the trailing twelve months is around 2.78%, less than IRTR's 2.99% yield.

Position	TTM	2025	2024	2023	2022	2021	2020
EAOM iShares ESG Aware Moderate Allocation ETF	2.78%	2.89%	2.89%	2.70%	1.93%	1.32%	1.02%
IRTR Ishares Lifepath Retirement ETF	2.99%	3.03%	3.03%	0.85%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both EAOM and IRTR in my portfolio?

With a correlation of 0.97, EAOM and IRTR move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, EAOM or IRTR?

EAOM has higher volatility (2.27%) compared to IRTR (2.12%). In terms of maximum drawdown, EAOM dropped -20.73% vs IRTR's -6.29%.

Which ETF is better, EAOM or IRTR?

On 1-year performance, EAOM leads with 14.38% vs 13.84% for IRTR. On fees, IRTR is cheaper at 0.08% per year. On volatility, IRTR has been the lower-risk option at 2.12%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, EAOM or IRTR?

Over the 1-year period, EAOM has performed better with a 14.38% return vs 13.84%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, EAOM or IRTR?

IRTR is cheaper with a 0.08% expense ratio, compared with 0.18% for EAOM.

Which ETF pays a higher dividend yield, EAOM or IRTR?

IRTR has the higher dividend yield at 2.99%, compared with 2.78% for EAOM.

What is the main difference between EAOM and IRTR?

EAOM is categorized as Diversified Portfolio, while IRTR is Target Retirement Date. Their fees differ too: 0.18% for EAOM and 0.08% for IRTR.

Which has better risk-adjusted returns?

IRTR currently has the higher Sharpe Ratio (2.32 vs 2.25), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.