LDRI vs. RBIL

Last updated Jun 24, 2026

LDRI (iShares iBonds 1-5 Year TIPS Ladder ETF) and RBIL (F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF) are both Inflation-Protected Bonds funds - LDRI tracks the BlackRock iBonds® 1-5 Year TIPS Ladder Index while RBIL tracks the Bloomberg US Ultrashort TIPS 1-13 Months Index. Both are passively managed. Over the past year, LDRI returned 3.55% vs 4.07% for RBIL. At a 0.29 correlation, their price movements are largely independent. LDRI charges 0.10%/yr vs 0.17%/yr for RBIL.

Performance

LDRI vs. RBIL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) 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, LDRI achieves a 1.37% return, which is significantly lower than RBIL's 2.32% return.

LDRI

• 1D: 0.00%
• 1M: -0.16%
• YTD: 1.37%
• 6M: 1.71%
• 1Y: 3.55%
• 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)

LDRI vs. RBIL - Yearly Performance Comparison

	2026 (YTD)	2025
LDRI iShares iBonds 1-5 Year TIPS Ladder ETF	1.37%	4.42%
RBIL F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF	2.32%	2.85%

Correlation

The correlation between LDRI and RBIL is 0.35, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.35
Correlation (All Time) Calculated using the full available price history since Feb 25, 2025	0.30

Return for Risk

LDRI vs. RBIL — Risk / Return Rank

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

LDRI

LDRI Risk / Return Rank: 74
LDRI Sharpe Ratio Rank: 59
LDRI Sortino Ratio Rank: 62
LDRI Omega Ratio Rank: 72
LDRI Calmar Ratio Rank: 93
LDRI Martin Ratio Rank: 82

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.

LDRI vs. RBIL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) 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.

	LDRI	RBIL	Difference
Sharpe ratio: Return per unit of total volatility	1.84	4.35	-2.51
Sortino ratio: Return per unit of downside risk	2.67	6.69	-4.02
Omega ratio: Gain probability vs. loss probability	1.39	2.13	-0.73
Calmar ratio: Return relative to maximum drawdown	5.96	7.82	-1.86
Martin ratio: Return relative to average drawdown	15.28	42.95	-27.67

LDRI vs. RBIL - Sharpe Ratio Comparison

The current LDRI Sharpe Ratio is 1.84, which is lower than the RBIL Sharpe Ratio of 4.35. The chart below compares the historical Sharpe Ratios of LDRI 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

LDRI vs. RBIL - Drawdown Comparison

The maximum LDRI drawdown since its inception was -0.85%, which is greater than RBIL's maximum drawdown of -0.52%. Use the drawdown chart below to compare losses from any high point for LDRI and RBIL.

Drawdown Indicators

	LDRI	RBIL	Difference
Max Drawdown Largest peak-to-trough decline	-0.85%	-0.52%	-0.33%
Max Drawdown (1Y) Largest decline over 1 year	-0.60%	-0.52%	-0.08%
Current Drawdown Current decline from peak	-0.58%	-0.50%	-0.08%
Average Drawdown Average peak-to-trough decline	-0.20%	-0.07%	-0.13%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.23%	0.10%	+0.13%

Volatility

LDRI vs. RBIL - Volatility Comparison

iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) has a higher volatility of 0.64% compared to F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL) at 0.36%. This indicates that LDRI'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

	LDRI	RBIL	Difference
Volatility (1M) Calculated over the trailing 1-month period	0.64%	0.36%	+0.28%
Volatility (6M) Calculated over the trailing 6-month period	1.48%	0.85%	+0.63%
Volatility (1Y) Calculated over the trailing 1-year period	1.95%	0.95%	+1.00%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	2.29%	1.07%	+1.22%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	2.29%	1.07%	+1.22%

LDRI vs. RBIL - Expense Ratio Comparison

LDRI has a 0.10% 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

LDRI vs. RBIL - Dividend Comparison

LDRI's dividend yield for the trailing twelve months is around 3.54%, less than RBIL's 4.38% yield.

Position	TTM	2025	2024
LDRI iShares iBonds 1-5 Year TIPS Ladder ETF	3.54%	4.23%	0.83%
RBIL F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF	4.38%	3.65%	0.00%

Frequently Asked Questions

Can I hold both LDRI and RBIL in my portfolio?

LDRI and RBIL have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, LDRI or RBIL?

LDRI has higher volatility (0.64%) compared to RBIL (0.36%). In terms of maximum drawdown, LDRI dropped -0.85% vs RBIL's -0.52%.

Which ETF is better, LDRI or RBIL?

On 1-year performance, RBIL leads with 4.07% vs 3.55% for LDRI. On fees, LDRI is cheaper at 0.10% 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, LDRI or RBIL?

Over the 1-year period, RBIL has performed better with a 4.07% return vs 3.55%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, LDRI or RBIL?

LDRI is cheaper with a 0.10% expense ratio, compared with 0.17% for RBIL.

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

RBIL has the higher dividend yield at 4.38%, compared with 3.54% for LDRI.

What is the main difference between LDRI and RBIL?

LDRI tracks BlackRock iBonds® 1-5 Year TIPS Ladder Index, while RBIL tracks Bloomberg US Ultrashort TIPS 1-13 Months Index. They also come from different issuers: iShares and F/m. Their fees differ too: 0.10% for LDRI and 0.17% for RBIL.

Which has better risk-adjusted returns?

RBIL currently has the higher Sharpe Ratio (4.35 vs 1.84), 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.