IRTR vs. EAOM
IRTR (iShares LifePath Retirement ETF) and EAOM (iShares ESG Aware Moderate Allocation ETF) are both exchange-traded funds - IRTR is a Target Retirement Date fund actively managed by iShares, while EAOM is a Diversified Portfolio fund tracking the BlackRock ESG Aware Moderate Allocation Index. IRTR is actively managed, while EAOM is passively managed. Over the past year, IRTR returned 12.19% vs 12.65% for EAOM. With a 0.97 correlation, they move nearly in lockstep. IRTR charges 0.08%/yr vs 0.18%/yr for EAOM.
Performance
IRTR vs. EAOM - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with IRTR having a 4.92% return and EAOM slightly lower at 4.87%.
IRTR
- 1D
- 0.15%
- 1M
- -0.03%
- YTD
- 4.92%
- 6M
- 4.52%
- 1Y
- 12.19%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
EAOM
- 1D
- 0.21%
- 1M
- 0.16%
- YTD
- 4.87%
- 6M
- 4.40%
- 1Y
- 12.65%
- 3Y*
- 10.27%
- 5Y*
- 4.15%
- 10Y*
- —
IRTR vs. EAOM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | |
|---|---|---|---|---|
IRTR iShares LifePath Retirement ETF | 4.92% | 12.70% | 7.59% | 11.03% |
EAOM iShares ESG Aware Moderate Allocation ETF | 4.87% | 12.90% | 7.29% | 10.00% |
Correlation
The correlation between IRTR and EAOM 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 19, 2023 | 0.97 |
The correlation between IRTR and EAOM has been stable across timeframes, ranging from 0.97 to 0.97 - a consistent structural relationship.
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Return for Risk
IRTR vs. EAOM — Risk / Return Rank
IRTR
EAOM
IRTR vs. EAOM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares LifePath Retirement ETF (IRTR) and iShares ESG Aware Moderate Allocation ETF (EAOM). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| IRTR | EAOM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.07 | ||
| Sortino ratioReturn per unit of downside risk | +0.11 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.35 | +0.02 |
| Calmar ratioReturn relative to maximum drawdown | 2.54 | 2.46 | +0.09 |
| Martin ratioReturn relative to average drawdown | 10.97 | 10.59 | +0.39 |
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Drawdowns
IRTR vs. EAOM - Drawdown Comparison
The maximum IRTR drawdown since its inception was -6.29%, smaller than the maximum EAOM drawdown of -20.73%. Use the drawdown chart below to compare losses from any high point for IRTR and EAOM.
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Drawdown Indicators
| IRTR | EAOM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -6.29% | -20.73% | +14.44% |
Max Drawdown (1Y)Largest decline over 1 year | -4.82% | -5.17% | +0.35% |
Max Drawdown (3Y)Largest decline over 3 years | — | -7.63% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -20.73% | — |
Current DrawdownCurrent decline from peak | -0.62% | -0.65% | +0.03% |
Average DrawdownAverage peak-to-trough decline | -0.78% | -4.92% | +4.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.11% | 1.20% | -0.09% |
Volatility
IRTR vs. EAOM - Volatility Comparison
The current volatility for iShares LifePath Retirement ETF (IRTR) is 2.44%, while iShares ESG Aware Moderate Allocation ETF (EAOM) has a volatility of 2.69%. This indicates that IRTR experiences smaller price fluctuations and is considered to be less risky than EAOM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| IRTR | EAOM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.44% | 2.69% | -0.25% |
Volatility (6M)Calculated over the trailing 6-month period | 5.29% | 5.72% | -0.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.30% | 6.79% | -0.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.10% | 8.14% | -1.04% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.10% | 7.93% | -0.83% |
IRTR vs. EAOM - Expense Ratio Comparison
IRTR has a 0.08% expense ratio, which is lower than EAOM's 0.18% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
IRTR vs. EAOM - Dividend Comparison
IRTR's dividend yield for the trailing twelve months is around 3.00%, more than EAOM's 2.79% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
EAOM iShares ESG Aware Moderate Allocation ETF | 2.79% | 2.89% | 2.89% | 2.70% | 1.93% | 1.32% | 1.02% |
IRTR iShares LifePath Retirement ETF | 3.00% | 3.03% | 3.03% | 0.85% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
With a correlation of 0.97, IRTR and EAOM 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.
EAOM has higher volatility (2.69%) compared to IRTR (2.44%). In terms of maximum drawdown, IRTR dropped -6.29% vs EAOM's -20.73%.
On 1-year performance, EAOM leads with 12.65% vs 12.19% for IRTR. On fees, IRTR is cheaper at 0.08% per year. On volatility, IRTR has been the lower-risk option at 2.44%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, EAOM has performed better with a 12.65% return vs 12.19%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
IRTR is cheaper with a 0.08% expense ratio, compared with 0.18% for EAOM.
IRTR has the higher dividend yield at 3.00%, compared with 2.79% for EAOM.
IRTR is categorized as Target Retirement Date, while EAOM is Diversified Portfolio. Their fees differ too: 0.08% for IRTR and 0.18% for EAOM.
IRTR currently has the higher Sharpe Ratio (1.94 vs 1.87), 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.
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