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Launched

iShares LifePath Retirement ETF

IRTRNYSE ArcaiSharesA

$31.61+0.10 (+0.32%)

As of Nov 2, 2026, 12:56 PM ET

A86/ 100

Rank 3 of 37 in Multi-Asset Allocation

A86/100Rank 3 of 37inMulti-Asset Allocation
Intraday session: up, 42 prints from 31.51 to 31.61. Range 31.54 to 31.66. Use the arrow keys to read each point.31.5531.5731.6510 AM12 PM2 PM4 PM
Expense ratio
0.08%
Fund size
$60M
1Y total return
+5.1%
Yield · Last 12 months
3.17%
Holdings
29140
Avg volume · 30D
12.7K sh
52W range
low $30.13high $32.28
Launched

The ETF.net IRTR Grade

A

Score 86 out of 100

Category
Multi-Asset Allocation⁠
Rank
3 of 37
Six-pillar profile for IRTR. Scores out of 100: Cost 97, Risk 82, Mission 100, Tradability 62, Holdings 80, Durability 56. Strongest: Mission (100). Weakest: Durability (56). Leans toward Mission and Cost.

Score 86 of 100 falls in the A band. A is 70 or higher, B 55 to under 70, C 40 to under 55, D 25 to under 40, F under 25.

  • Cost

    The fund’s net expense ratio, ranked against its category.
    A97 out of 100
    Rank 2 of 37

  • Mission

    Whether the fund did what it promised, tested against its stated mandate.
    A100 out of 100
    Rank 1 of 29

  • Risk

    How the fund held up when markets fell: downside volatility, drawdowns and tail loss.
    A82 out of 100
    Rank 1 of 35

  • Tradability

    How easy the fund is to trade: daily volume, and how far its price strays from net asset value.
    B62 out of 100
    Rank 12 of 37

  • Holdings

    How concentrated the fund is, and how complete and current its disclosed holdings are.
    A80 out of 100
    Rank 5 of 33

  • Durability

    Whether the fund is likely to stay open, judged by its age, its assets and its issuer’s assets.
    B56 out of 100
    Rank 19 of 37

Our read on IRTR

ETF.net Research

In short

AA whole retirement portfolio in one ticker: global stock and bond ETFs blended at the conservative end, for 0.08% a year. That is index-fund pricing on a job most allocation funds charge roughly ten times more to do.

Stated mandate

The fund seeks conservative exposure through a broad portfolio of stock and bond ETFs spanning global asset classes.

Why people hold it

  • Costs 0.08% a year against a 0.78% median for allocation funds. Roughly a tenth of the going rate for a portfolio-in-a-box.
  • One line item, global coverage. The fund holds a spread of stock and bond ETFs across asset classes, so the mixing happens inside the wrapper.ishares.com
  • Distributions come monthly rather than quarterly.
  • One of the strongest all-in-one allocation funds in its peer group, and the cheapest of that top tier: iShares' own AOA runs 0.19%.

Worth knowing

  • Thinly traded. Spreads can run wider than on household-name ETFs, so limit orders matter more here.
  • Launched in 2023, so the track record is short and the fund is still building scale.
  • Conservative by construction: it is built to move less than an all-stock portfolio, and that cuts in both directions.ishares.com

IRTR Performance

Launched Oct 17, 2023

Shows how $10,000 changes over the selected period, with cash distributions reinvested at the closing price on each ex-dividend date.

Not enough history yet.Not enough history yet.
IRTR$10,510
SPY tracks large US stocks. It provides market context, rather than representing this fund’s strategy, asset class or investment benchmark.$11,199
Oct 31, 2025 to Oct 30, 2026. IRTR $10,510. SPY $11,199. Use the arrow keys to read each point.$10,000$11,000Oct 2025Apr 2026Oct 2026

Oct 31, 2025 – Oct 30, 2026

Returns run to the Oct 30, 2026 close, with cash distributions reinvested. Each period starts on the same date that many months or years earlier. Periods over one year show the average yearly return.

Trailing total return for IRTR. Periods over one year show the average yearly return.
PeriodIRTR
Year to date+4.5%
1 month+1.1%
3 months0.0%
1 year+5.1%
3 yearsper year+13.1%
5 yearsFund is under 5 years oldper yearNo data
10 yearsFund is under 10 years oldper yearNo data

With distributions reinvested.

Calendar-year total return with cash distributions hypothetically reinvested at the ex-dividend date’s closing price. The current year shows year to date.

Annual total returns for IRTR
YearReturn barIRTR
2026 YTD+4.5%
2025+12.7%
2024+9.9%
2023+11.6%

History from Oct 19, 2023

IRTR in the news

IRTR Dividends

Adds up every distribution paid per share over the last 12 months, divided by the last completed close. Distributions are counted by ex-date. Data through Oct 30, 2026.
3.17%Last 12 months
Payout per share
$1.00Last 12 months
Last payment
$0.08 per share
Paid on
Shares bought on or after this date do not qualify for this distribution.
Frequency
Monthly

Distribution history

2023–2026

One bar per payment. 35 payments from 2023 to 2026 YTD. Dec 4, 2023 $0.09; Dec 22, 2023 $0.37; Feb 2, 2024 $0.03; Mar 4, 2024 $0.04; Apr 2, 2024 $0.07; May 2, 2024 $0.06; Jun 4, 2024 $0.06; Jul 2, 2024 $0.12; Aug 2, 2024 $0.07; Sep 4, 2024 $0.05; Oct 2, 2024 $0.08; Nov 4, 2024 $0.69; Dec 3, 2024 $0.05; Dec 20, 2024 $0.17; Feb 4, 2025 $0.05; Mar 4, 2025 $0.05; Apr 2, 2025 $0.09; May 2, 2025 $0.06; Jun 3, 2025 $0.06; Jul 2, 2025 $0.14; Aug 4, 2025 $0.06; Sep 3, 2025 $0.06; Oct 2, 2025 $0.08; Nov 4, 2025 $0.06; Dec 2, 2025 $0.06; Dec 23, 2025 $0.17; Feb 3, 2026 $0.05; Mar 3, 2026 $0.05; Apr 2, 2026 $0.07; May 4, 2026 $0.07; Jun 2, 2026 $0.08; Jul 2, 2026 $0.16; Aug 4, 2026 $0.08; Sep 2, 2026 $0.06; Oct 2, 2026 $0.08. Use the arrow keys to read each point.2023202420252026YTD
Ex-datePay dateAmount per share
Oct 2, 2026Oct 7, 2026$0.08
Sep 2, 2026Sep 8, 2026$0.06
Aug 4, 2026Aug 7, 2026$0.08
Jul 2, 2026Jul 8, 2026$0.16
Jun 2, 2026Jun 5, 2026$0.08
May 4, 2026May 7, 2026$0.07
Apr 2, 2026Apr 8, 2026$0.07
Mar 3, 2026Mar 6, 2026$0.05
Feb 3, 2026Feb 6, 2026$0.05
Dec 23, 2025Dec 29, 2025$0.17
Dec 2, 2025Dec 5, 2025$0.06
Nov 4, 2025Nov 7, 2025$0.06

See all 35 payments⁠

$10,000 in IRTR 3 years ago paid $1,417 in dividends.⁠

IRTR Risk

Risk pillarA82 out of 100Rank 1 of 35 in Multi-Asset Allocation
How much the fund’s monthly returns vary, scaled to a year.
7.3%
Annualised · 36 months to Oct 2026
How it’s calculated: standard deviation

The sample standard deviation of monthly total returns, multiplied by the square root of 12.

Uses up to 36 complete months, with at least 12 required. Total returns include reinvested distributions.

Return above 3-month US Treasury bills per unit of volatility.
1.14
vs 3-month T-bills · to Oct 2026
How it’s calculated: Sharpe ratio

Subtract each month’s Treasury-bill return from the fund’s monthly total return.

Divide the average of those excess returns by their sample standard deviation, then multiply by the square root of 12.

Uses up to 36 complete months, with at least 12 required. Each month uses the Treasury yield quoted at the end of the previous month.

The largest fall from a peak to the low that followed.
−6.3%
36 months · trough Apr 2025
How it’s calculated: maximum drawdown

The largest percentage decline from an earlier peak, using total returns with reinvested distributions.

Uses up to five years through the last close, with at least 12 months required.

How strongly the fund’s returns move with its asset-class index.
0.47
vs its asset-class index
How it’s calculated: beta

The beta figure is supplied by FMP. The comparison index depends on the fund’s broad asset class.

FMP measures it over up to five years of monthly returns.

IRTR Cost

Compare IRTR and UCBG

Overpaying vs UCBG, cheapest in Multi-Asset Allocation

$419

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • IRTR 0.08%

    $1,689

  • UCBG 0.06% Cheapest

    $1,270

$10,000
30 years

Cost over time

  • IRTR 0.08%
  • UCBG 0.06%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$500$1K$1.5K$2K051015202530IRTR $1,689UCBG $1,270

Year by year

YearIRTRUCBGOverpaying
10$147$110$37
20$575$432$143
30$1,689$1,270$419

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