LDDR vs. IRTR

Last updated Apr 1, 2026

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

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

Performance

LDDR vs. IRTR - Performance Comparison

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

LDDR vs. IRTR - Yearly Performance Comparison

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

Returns By Period

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

LDDR

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

IRTR

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

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

LDDR vs. IRTR - Expense Ratio Comparison

LDDR has a 0.25% 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%.

LDDR

LifeX 2035 Income Bucket ETF

IRTR

Ishares Lifepath Retirement ETF

Return for Risk

LDDR vs. IRTR — Risk / Return Rank

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

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

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

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.

LDDR vs. IRTR - Risk-Adjusted Trends Comparison

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

	LDDR	IRTR	Difference
Sharpe ratio Return per unit of total volatility	0.99	1.40	-0.41
Sortino ratio Return per unit of downside risk	1.44	2.05	-0.61
Omega ratio Gain probability vs. loss probability	1.18	1.30	-0.12
Calmar ratio Return relative to maximum drawdown	1.65	2.00	-0.34
Martin ratio Return relative to average drawdown	4.96	8.72	-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.

LDDR vs. IRTR - Sharpe Ratio Comparison

The current LDDR Sharpe Ratio is 0.99, which is comparable to the IRTR Sharpe Ratio of 1.40. The chart below compares the historical Sharpe Ratios of LDDR and IRTR, 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

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

Correlation

The correlation between LDDR and IRTR 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

LDDR vs. IRTR - Dividend Comparison

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

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

Drawdowns

LDDR vs. IRTR - Drawdown Comparison

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

Drawdown Indicators

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

Volatility

LDDR vs. IRTR - Volatility Comparison

The current volatility for LifeX 2035 Income Bucket ETF (LDDR) is 1.27%, while Ishares Lifepath Retirement ETF (IRTR) has a volatility of 3.14%. This indicates that LDDR experiences smaller price fluctuations and is considered to be less risky than IRTR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

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