ITDG vs. RBIL

Last updated Jun 24, 2026

ITDG (Ishares Lifepath Target Date 2055 ETF) and RBIL (F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF) are both exchange-traded funds - ITDG is a Target Retirement Date fund actively managed by iShares, while RBIL is a Inflation-Protected Bonds fund tracking the Bloomberg US Ultrashort TIPS 1-13 Months Index. ITDG is actively managed, while RBIL is passively managed. Over the past year, ITDG returned 25.64% vs 4.07% for RBIL. At a correlation of -0.20, they often move in opposite directions. ITDG charges 0.11%/yr vs 0.17%/yr for RBIL.

Performance

ITDG vs. RBIL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Ishares Lifepath Target Date 2055 ETF (ITDG) and F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ITDG achieves a 10.20% return, which is significantly higher than RBIL's 2.32% return.

ITDG

• 1D: -1.84%
• 1M: -0.20%
• YTD: 10.20%
• 6M: 9.39%
• 1Y: 25.64%
• 3Y*: —
• 5Y*: —
• 10Y*: —

RBIL

• 1D: 0.01%
• 1M: -0.19%
• YTD: 2.32%
• 6M: 2.37%
• 1Y: 4.07%
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

ITDG vs. RBIL - Yearly Performance Comparison

	2026 (YTD)	2025
ITDG Ishares Lifepath Target Date 2055 ETF	10.20%	17.99%
RBIL F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF	2.32%	2.85%

Correlation

The correlation between ITDG and RBIL is -0.22, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	-0.22
Correlation (All Time) Calculated using the full available price history since Feb 25, 2025	-0.20

Return for Risk

ITDG vs. RBIL — Risk / Return Rank

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

ITDG

ITDG Risk / Return Rank: 62
ITDG Sharpe Ratio Rank: 62
ITDG Sortino Ratio Rank: 61
ITDG Omega Ratio Rank: 61
ITDG Calmar Ratio Rank: 58
ITDG Martin Ratio Rank: 67

RBIL

RBIL Risk / Return Rank: 97
RBIL Sharpe Ratio Rank: 97
RBIL Sortino Ratio Rank: 98
RBIL Omega Ratio Rank: 98
RBIL Calmar Ratio Rank: 96
RBIL Martin Ratio Rank: 97

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.

ITDG vs. RBIL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Ishares Lifepath Target Date 2055 ETF (ITDG) and F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL). 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.

	ITDG	RBIL	Difference
Sharpe ratio: Return per unit of total volatility	1.94	4.35	-2.41
Sortino ratio: Return per unit of downside risk	2.67	6.69	-4.02
Omega ratio: Gain probability vs. loss probability	1.35	2.13	-0.78
Calmar ratio: Return relative to maximum drawdown	2.70	7.82	-5.12
Martin ratio: Return relative to average drawdown	11.63	42.95	-31.33

ITDG vs. RBIL - Sharpe Ratio Comparison

The current ITDG Sharpe Ratio is 1.94, which is lower than the RBIL Sharpe Ratio of 4.35. The chart below compares the historical Sharpe Ratios of ITDG and RBIL, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

ITDG vs. RBIL - Drawdown Comparison

The maximum ITDG drawdown since its inception was -16.60%, which is greater than RBIL's maximum drawdown of -0.52%. Use the drawdown chart below to compare losses from any high point for ITDG and RBIL.

Drawdown Indicators

	ITDG	RBIL	Difference
Max Drawdown Largest peak-to-trough decline	-16.60%	-0.52%	-16.08%
Max Drawdown (1Y) Largest decline over 1 year	-9.54%	-0.52%	-9.02%
Current Drawdown Current decline from peak	-2.42%	-0.50%	-1.92%
Average Drawdown Average peak-to-trough decline	-1.57%	-0.07%	-1.50%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.21%	0.10%	+2.11%

Volatility

ITDG vs. RBIL - Volatility Comparison

Ishares Lifepath Target Date 2055 ETF (ITDG) has a higher volatility of 5.30% compared to F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL) at 0.36%. This indicates that ITDG's price experiences larger fluctuations and is considered to be riskier than RBIL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ITDG	RBIL	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.30%	0.36%	+4.94%
Volatility (6M) Calculated over the trailing 6-month period	11.04%	0.85%	+10.19%
Volatility (1Y) Calculated over the trailing 1-year period	13.32%	0.95%	+12.37%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.61%	1.07%	+13.54%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	14.61%	1.07%	+13.54%

ITDG vs. RBIL - Expense Ratio Comparison

ITDG has a 0.11% expense ratio, which is lower than RBIL's 0.17% 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

ITDG vs. RBIL - Dividend Comparison

ITDG's dividend yield for the trailing twelve months is around 1.46%, less than RBIL's 4.38% yield.

Position	TTM	2025	2024	2023
ITDG Ishares Lifepath Target Date 2055 ETF	1.46%	1.60%	1.44%	0.84%
RBIL F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF	4.38%	3.65%	0.00%	0.00%

Frequently Asked Questions

Can I hold both ITDG and RBIL in my portfolio?

ITDG and RBIL have a correlation of -0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ITDG or RBIL?

ITDG has higher volatility (5.30%) compared to RBIL (0.36%). In terms of maximum drawdown, ITDG dropped -16.60% vs RBIL's -0.52%.

Which ETF is better, ITDG or RBIL?

On 1-year performance, ITDG leads with 25.64% vs 4.07% for RBIL. On fees, ITDG is cheaper at 0.11% per year. On volatility, RBIL has been the lower-risk option at 0.36%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, ITDG or RBIL?

Over the 1-year period, ITDG has performed better with a 25.64% return vs 4.07%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, ITDG or RBIL?

ITDG is cheaper with a 0.11% expense ratio, compared with 0.17% for RBIL.

Which ETF pays a higher dividend yield, ITDG or RBIL?

RBIL has the higher dividend yield at 4.38%, compared with 1.46% for ITDG.

What is the main difference between ITDG and RBIL?

ITDG is categorized as Target Retirement Date, while RBIL is Inflation-Protected Bonds. They also come from different issuers: iShares and F/m. Their fees differ too: 0.11% for ITDG and 0.17% for RBIL.

Which has better risk-adjusted returns?

RBIL currently has the higher Sharpe Ratio (4.35 vs 1.94), 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.