IRTR vs. LDDR

Last updated Apr 1, 2026

Compare and contrast key facts about Ishares Lifepath Retirement ETF (IRTR) and LifeX 2035 Income Bucket ETF (LDDR).

IRTR and LDDR are both exchange-traded funds (ETFs), meaning they are traded on stock exchanges and can be bought and sold throughout the day. IRTR is an actively managed fund by iShares. It was launched on Oct 17, 2023. LDDR is an actively managed fund by STONE RIDGE. It was launched on Jan 3, 2025.

Performance

IRTR vs. LDDR - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Ishares Lifepath Retirement ETF (IRTR) and LifeX 2035 Income Bucket ETF (LDDR). The values are adjusted to include any dividend payments, if applicable.

IRTR vs. LDDR - Yearly Performance Comparison

	2026 (YTD)	2025
IRTR Ishares Lifepath Retirement ETF	-0.31%	12.30%
LDDR LifeX 2035 Income Bucket ETF	0.11%	6.74%

Returns By Period

In the year-to-date period, IRTR achieves a -0.31% return, which is significantly lower than LDDR's 0.11% return.

IRTR

• 1D: 1.37%
• 1M: -3.29%
• YTD: -0.31%
• 6M: 1.31%
• 1Y: 10.76%
• 3Y*: —
• 5Y*: —
• 10Y*: —

LDDR

• 1D: 0.20%
• 1M: -1.43%
• YTD: 0.11%
• 6M: 1.09%
• 1Y: 3.80%
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

IRTR vs. LDDR - Expense Ratio Comparison

IRTR has a 0.08% expense ratio, which is lower than LDDR's 0.25% 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%.

LDDR

LifeX 2035 Income Bucket ETF

IRTR

Ishares Lifepath Retirement ETF

Return for Risk

IRTR vs. LDDR — Risk / Return Rank

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

IRTR

IRTR Risk / Return Rank: 80
IRTR Sharpe Ratio Rank: 79
IRTR Sortino Ratio Rank: 82
IRTR Omega Ratio Rank: 80
IRTR Calmar Ratio Rank: 78
IRTR Martin Ratio Rank: 82

LDDR

LDDR Risk / Return Rank: 53
LDDR Sharpe Ratio Rank: 54
LDDR Sortino Ratio Rank: 54
LDDR Omega Ratio Rank: 45
LDDR Calmar Ratio Rank: 63
LDDR Martin Ratio Rank: 50

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.

IRTR vs. LDDR - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Ishares Lifepath Retirement ETF (IRTR) and LifeX 2035 Income Bucket ETF (LDDR). 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.

	IRTR	LDDR	Difference
Sharpe ratio Return per unit of total volatility	1.40	0.99	+0.41
Sortino ratio Return per unit of downside risk	2.05	1.44	+0.61
Omega ratio Gain probability vs. loss probability	1.30	1.18	+0.12
Calmar ratio Return relative to maximum drawdown	2.00	1.65	+0.34
Martin ratio Return relative to average drawdown	8.72	4.96	+3.76
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

IRTR vs. LDDR - Sharpe Ratio Comparison

The current IRTR Sharpe Ratio is 1.40, which is higher than the LDDR Sharpe Ratio of 0.99. The chart below compares the historical Sharpe Ratios of IRTR and LDDR, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	IRTR	LDDR	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.40	0.99	+0.41
Sharpe Ratio (All Time) Calculated using the full available price history	1.81	1.35	+0.46

Correlation

The correlation between IRTR and LDDR is 0.42, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

IRTR vs. LDDR - Dividend Comparison

IRTR's dividend yield for the trailing twelve months is around 3.07%, less than LDDR's 12.25% yield.

	TTM	2025	2024	2023
IRTR Ishares Lifepath Retirement ETF	3.07%	3.03%	3.03%	0.85%
LDDR LifeX 2035 Income Bucket ETF	12.25%	14.63%	0.00%	0.00%

Drawdowns

IRTR vs. LDDR - Drawdown Comparison

The maximum IRTR drawdown since its inception was -6.29%, which is greater than LDDR's maximum drawdown of -2.38%. Use the drawdown chart below to compare losses from any high point for IRTR and LDDR.

Drawdown Indicators

	IRTR	LDDR	Difference
Max Drawdown Largest peak-to-trough decline	-6.29%	-2.38%	-3.91%
Max Drawdown (1Y) Largest decline over 1 year	-5.48%	-2.38%	-3.10%
Current Drawdown Current decline from peak	-3.32%	-1.43%	-1.89%
Average Drawdown Average peak-to-trough decline	-0.79%	-0.56%	-0.23%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.26%	0.79%	+0.47%

Volatility

IRTR vs. LDDR - Volatility Comparison

Ishares Lifepath Retirement ETF (IRTR) has a higher volatility of 3.14% compared to LifeX 2035 Income Bucket ETF (LDDR) at 1.27%. This indicates that IRTR's price experiences larger fluctuations and is considered to be riskier than LDDR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	IRTR	LDDR	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.14%	1.27%	+1.87%
Volatility (6M) Calculated over the trailing 6-month period	4.42%	2.13%	+2.29%
Volatility (1Y) Calculated over the trailing 1-year period	7.73%	3.87%	+3.86%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	7.04%	4.15%	+2.89%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	7.04%	4.15%	+2.89%