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Retirement ETFs: 134 low-cost funds to hold for decades (October 2026)

A common retirement core is one broad stock fund and one broad bond fund. The largest graded A are VTI and BND. 134 funds in core stock, bond and all-in-one Categories are graded A or B and charge 0.20% a year or less.

Change this list How this list is built

US stocks

17 fundsOpen in the screener

As of Oct 29, 2026. Rebuilt each night.

#	Grade	Fund	Category	Expense ratio	AUM	5Y, per year
1	A	VTIVanguard Morningstar Total Stock Market ETF	Total US Market	0.03%	$2.3T	+11.4%
2	A	VOOVanguard S&P 500 ETF	S&P 500	0.03%	$1.7T	+12.6%
3	A	IVViShares Core S&P 500 ETF	S&P 500	0.03%	$889B	+12.6%
4	A	SPYState Street SPDR S&P 500 ETF	S&P 500	0.09%	$810B	+12.5%
5	A	SPYMState Street SPDR Portfolio S&P 500 ETF	S&P 500	0.02%	$183B	+12.6%
6	A	ITOTiShares Core S&P Total U.S. Stock Market ETF	Total US Market	0.03%	$96.5B	+11.4%
7	A	SCHBSchwab U.S. Broad Market ETF	Total US Market	0.03%	$45.1B	+11.5%
8	A	SPTMState Street SPDR Portfolio S&P 1500 Composite Stock Market ETF	Total US Market	0.03%	$14.2B	+12.1%
9	A	BBUSJPMorgan BetaBuilders U.S. Equity ETF	Total US Market	0.02%	$9.66B	+12.1%
10	A	USPXFranklin U.S. Equity Index ETF	S&P 500	0.03%	$2.08B	+12.5%

A Grade compares a fund only with funds in its own Category.

International stocks

22 fundsOpen in the screener

#	Grade	Fund	Category	Expense ratio	AUM	5Y, per year
1	A	VEAVanguard FTSE Developed Markets ETF	Developed International Core	0.03%	$314B	+9.3%
2	A	IEFAiShares Core MSCI EAFE ETF	Developed International Core	0.07%	$190B	+8.2%
3	A	VWOVanguard FTSE Emerging Markets ETF	Emerging Markets Total Market	0.06%	$165B	+5.2%
4	A	VXUSVanguard Total International Stock ETF	Total International Market	0.05%	$163B	+8.3%
5	A	IEMGiShares Core MSCI Emerging Markets ETF	MSCI Emerging Markets Core	0.09%	$153B	+7.2%
6	A	VTVanguard Total World Stock ETF	MSCI ACWI / World	0.06%	$101B	+10.2%
7	A	VEUVanguard FTSE All-World ex-US ETF	Total International Market	0.04%	$95.7B	+8.6%
8	A	SCHFSchwab International Equity ETF	Developed International Core	0.03%	$67.7B	+9.6%
9	A	IXUSiShares Core MSCI Total International Stock ETF	Total International Market	0.07%	$57.9B	+8.3%
10	A	SPDWState Street SPDR Portfolio Developed World ex-US ETF	Developed International Core	0.03%	$40.7B	+9.2%

Bonds to steady the mix

80 fundsOpen in the screener

#	Grade	Fund	Category	Expense ratio	AUM	5Y, per year
1	A	BNDVanguard Total Bond Market ETF	US Aggregate Bond	0.03%	$389B	−0.3%
2	A	AGGiShares Core U.S. Aggregate Bond ETF	US Aggregate Bond	0.03%	$139B	−0.3%
3	A	BNDXVanguard Total International Bond ETF	US Aggregate Bond	0.07%	$122B	+0.2%
4	A	VTIPVanguard Short-Term Inflation-Protected Securities ETF	TIPS	0.03%	$73.1B	+3.0%
5	A	BSVVanguard Short-Term Bond ETF	Short-Term Core Bond	0.03%	$69.6B	+1.8%
6	A	BIVVanguard Intermediate-Term Bond ETF	US Aggregate Bond	0.03%	$50.4B	−0.1%
7	A	IUSBiShares Core Universal USD Bond ETF	US Aggregate Bond	0.06%	$49.8B	+0.1%
8	A	VGITVanguard Intermediate-Term Treasury ETF	Treasuries (3-10 Year)	0.03%	$47.8B	0.0%
9	A	GOVTiShares U.S. Treasury Bond ETF	US Treasury & Government	0.05%	$42.8B	−0.7%
10	A	SCHPSchwab US TIPS ETF	TIPS	0.03%	$17.4B	+0.1%

All in one: target-date and allocation funds

15 fundsOpen in the screener

#	Grade	Fund	Category	Expense ratio	AUM	5Y, per year
1	A	AORiShares Core 60/40 Balanced Allocation ETF	Balanced Allocation	0.15%	$3.93B	+6.4%
2	A	AOAiShares Core 80/20 Aggressive Allocation ETF	Multi-Asset Allocation	0.15%	$3.37B	+8.5%
3	A	UCBGState Street SPDR UC Investments 90/10 Endowment Strategy Index ETF	Multi-Asset Allocation	0.06%	$2.51B	—
4	A	AOMiShares Core 40/60 Moderate Allocation ETF	Balanced Allocation	0.15%	$1.88B	+4.3%
5	A	AOKiShares Core 30/70 Conservative Allocation ETF	Conservative Allocation	0.15%	$854M	+3.3%
6	A	ITDCiShares LifePath Target Date 2035 ETF	Target Date	0.10%	$123M	—
7	A	ITDBiShares LifePath Target Date 2030 ETF	Target Date	0.09%	$83M	—
8	A	IRTRiShares LifePath Retirement ETF	Multi-Asset Allocation	0.08%	$60M	—
9	B	ITDDiShares LifePath Target Date 2040 ETF	Target Date	0.11%	$125M	—
10	B	ITDEiShares LifePath Target Date 2045 ETF	Target Date	0.11%	$108M	—

How this list is built

It lists ETFs in core stock, bond and all-in-one Categories that are graded A or B and charge 0.20% a year or less: 134 funds. Each section ranks its funds by Grade, then size. The list is rebuilt each night from etf.net’s data. This version is from Oct 29, 2026.

What to watch

A retirement plan is a mix of stocks and bonds, not one fund. How much goes where depends on your age and your needs. This list names the building blocks, not the mix.
Target-date and allocation funds hold the mix for you and rebalance it. Most are young and small, so check the fund size.
Bond funds fall when interest rates rise. Short-term bond funds fall less.
In an IRA or 401(k), tax waits until you withdraw, so this list ignores it. Municipal bond funds are left out because their tax break is wasted there.

Questions

What is the best ETF for retirement?: No one fund suits everyone. Most plans mix broad stocks and bonds, such as VTI and BND. The mix depends on how far away retirement is.
Is there an ETF that does the mix for me?: Yes. Target-date and allocation funds hold stocks and bonds in one fund. The largest graded A is AOR.
How often does this list change?: Every night. This version is from Oct 29, 2026.