ITDF vs. IRTR
ITDF (Ishares Lifepath Target Date 2050 ETF) and IRTR (iShares LifePath Retirement ETF) are both Target Retirement Date funds from iShares. Both are actively managed. Over the past year, ITDF returned 23.00% vs 11.93% for IRTR. Their correlation of 0.89 suggests significant overlap in exposure. ITDF charges 0.11%/yr vs 0.08%/yr for IRTR.
Performance
ITDF vs. IRTR - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, ITDF achieves a 9.76% return, which is significantly higher than IRTR's 4.77% return.
ITDF
- 1D
- -0.15%
- 1M
- -0.22%
- YTD
- 9.76%
- 6M
- 8.79%
- 1Y
- 23.00%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
IRTR
- 1D
- 0.21%
- 1M
- 0.46%
- YTD
- 4.77%
- 6M
- 4.37%
- 1Y
- 11.93%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
ITDF vs. IRTR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | |
|---|---|---|---|---|
ITDF Ishares Lifepath Target Date 2050 ETF | 9.76% | 20.86% | 16.15% | 12.92% |
IRTR iShares LifePath Retirement ETF | 4.77% | 12.70% | 7.59% | 11.03% |
Correlation
The correlation between ITDF and IRTR is 0.92, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Oct 19, 2023 | 0.89 |
The correlation between ITDF and IRTR has been stable across timeframes, ranging from 0.89 to 0.92 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
ITDF vs. IRTR — Risk / Return Rank
ITDF
IRTR
ITDF vs. IRTR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Ishares Lifepath Target Date 2050 ETF (ITDF) 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.
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.
| ITDF | IRTR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.08 | ||
| Sortino ratioReturn per unit of downside risk | -0.18 | ||
| Omega ratioGain probability vs. loss probability | 1.33 | 1.36 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.48 | 2.49 | -0.01 |
| Martin ratioReturn relative to average drawdown | 10.73 | 10.74 | -0.02 |
Loading charts...
Drawdowns
ITDF vs. IRTR - Drawdown Comparison
The maximum ITDF drawdown since its inception was -15.67%, which is greater than IRTR's maximum drawdown of -6.29%. Use the drawdown chart below to compare losses from any high point for ITDF and IRTR.
Loading charts...
Drawdown Indicators
| ITDF | IRTR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.67% | -6.29% | -9.38% |
Max Drawdown (1Y)Largest decline over 1 year | -9.32% | -4.82% | -4.50% |
Current DrawdownCurrent decline from peak | -2.31% | -0.76% | -1.55% |
Average DrawdownAverage peak-to-trough decline | -1.52% | -0.78% | -0.74% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.15% | 1.11% | +1.04% |
Volatility
ITDF vs. IRTR - Volatility Comparison
Ishares Lifepath Target Date 2050 ETF (ITDF) has a higher volatility of 4.94% compared to iShares LifePath Retirement ETF (IRTR) at 2.52%. This indicates that ITDF'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.
Loading charts...
Volatility by Period
| ITDF | IRTR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.94% | 2.52% | +2.42% |
Volatility (6M)Calculated over the trailing 6-month period | 10.56% | 5.30% | +5.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.72% | 6.33% | +6.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.01% | 7.11% | +6.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.01% | 7.11% | +6.90% |
ITDF vs. IRTR - Expense Ratio Comparison
ITDF has a 0.11% 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
ITDF vs. IRTR - Dividend Comparison
ITDF's dividend yield for the trailing twelve months is around 1.50%, less than IRTR's 3.01% yield.
| Position | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
IRTR iShares LifePath Retirement ETF | 3.01% | 3.03% | 3.03% | 0.85% |
ITDF Ishares Lifepath Target Date 2050 ETF | 1.50% | 1.65% | 1.55% | 0.85% |
Frequently Asked Questions
With a correlation of 0.92, ITDF 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.
ITDF has higher volatility (4.94%) compared to IRTR (2.52%). In terms of maximum drawdown, ITDF dropped -15.67% vs IRTR's -6.29%.
On 1-year performance, ITDF leads with 23.00% vs 11.93% for IRTR. On fees, IRTR is cheaper at 0.08% per year. On volatility, IRTR has been the lower-risk option at 2.52%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, ITDF has performed better with a 23.00% return vs 11.93%. 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 0.11% for ITDF.
IRTR has the higher dividend yield at 3.01%, compared with 1.50% for ITDF.
Their fees differ too: 0.11% for ITDF and 0.08% for IRTR.
IRTR currently has the higher Sharpe Ratio (1.90 vs 1.82), 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.
Find the right allocation for ITDF and IRTR
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer