DIAL vs IRTR: Grades, Fees and Holdings Compared

Columbia Diversified Fixed Income Allocation ETF

DIALBNYSE Arca

iShares LifePath Retirement ETF

IRTRANYSE Arca

Overlap

0.0%by weight

Expense ratio

IRTR −0.21pt a year

DIAL0.29%IRTR0.08%

Avg volume · 30D

DIAL 5.4×the volume

DIAL68.5KIRTR12.7K

3Y return · a year

IRTR +6.1pt

DIAL+6.3%IRTR+12.4%

DIAL vs IRTR Performance

Oct 31, 2025 – Nov 2, 2026

0.0%DIAL+5.1%IRTR

Expense ratio: DIAL 0.29%; IRTR 0.08%, better
Fund size: DIAL $421M; IRTR $60M
1Y total return: DIAL 0.0%; IRTR +5.1%, better
Yield (12M): DIAL 5.74%, better; IRTR 3.17%
Holdings: DIAL 653; IRTR 29140
Avg volume (30D): DIAL 68.5K sh, better; IRTR 12.7K sh
NAV per share: DIAL $17.52; IRTR $31.52
52W range

ETF.net Grade

Pillar letters and Scores for DIAL, IRTR, with each pillar’s weight
Pillar	DIAL	IRTR
Cost30% weight	A82	A97Higher
Mission25% weight	D29	A100Higher
Risk15% weight	B59	A82Higher
Tradability15% weight	B65Higher	B62
Holdings10% weight	B69	A80Higher
Durability5% weight	A80Higher	B56

Rank among Multi-Asset Allocation funds

How we build Categories ›

Same Category. DIAL and IRTR are both graded against the same 37 Multi-Asset Allocation funds, so their Grades compare head to head.

Multi-Asset Allocation⁠

Category · 37 funds

See all 37 ›

IRTR ranks 3rd and DIAL 10th of 37 funds in the Multi-Asset Allocation Category.

Rank 1AUCBGState Street SPDR UC Investments 90/10 Endowment Strategy Index ETFScore 95
Rank 2AAOAiShares Core 80/20 Aggressive Allocation ETFScore 88
Rank 3AIRTRiShares LifePath Retirement ETFScore 86
Rank 4AINCEFranklin Income Equity Focus ETFScore 74
Rank 9BTBFCBrinsmere Fund Conservative ETFScore 62
Rank 10BDIALColumbia Diversified Fixed Income Allocation ETFScore 61
Rank 10BTBFGBrinsmere Fund Growth ETFScore 61

Our read on each fund

ETF.net Research

DIALBColumbia Diversified Fixed Income Allocation ETF

IRTRAiShares LifePath Retirement ETF

In short

DIAL No data

IRTR A 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

DIAL No data

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

Why people hold it

DIAL No data

IRTR 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

DIAL No data

IRTR 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

Full DIAL profile⁠

Full IRTR profile⁠

DIAL vs IRTR Holdings

How DIAL and IRTR differ

Overlap by weight

0.0%

Shared holdings make up 0.0% of DIAL and 0.0% of IRTR.

Level by level

Holdings0 in both0.0%
Countryby domicile74.1%

Sector

No Sector split for DIAL.

Country, concentration and asset class

Country by domicile

Country weights in DIAL and IRTR, widest gap first
Country	More in DIALMore in IRTR	DIAL	IRTR
United States	IRTR +23.0 points	69.7%	92.7%
Turkey	DIAL +9.8 points	9.8%	0.0%
Mexico	DIAL +1.8 points	1.8%	0.0%
Taiwan	IRTR +1.4 points	0.0%	1.4%
Colombia	DIAL +1.3 points	1.3%	0.0%
Brazil	DIAL +1.3 points	1.3%	0.0%
Japan	IRTR +1.2 points	1.4%	2.6%
Indonesia	DIAL +1.1 points	1.1%	0.0%
Other countries (20)	DIAL +10.3 points	13.6%	3.3%

Outside the US: DIAL 43% developed, 57% emerging.

Concentration

Weight in the 10 largest Holdings

DIAL26.1%
IRTR10.0%

Securities held

DIAL516
IRTR29,043

Asset class

DIAL: Fixed Income
IRTR: Multi-Asset

Holdings

Only in DIAL516
In both0
Only in IRTR29,043

Only in DIAL

516 securities, 96.7% of DIAL by weight

Umbs 30YR Tba(Reg A)9.73%
Treasury Bill9.37%
Treasury Bond5.91%
Fnma 30YR Tba(Reg A)3.04%
Treasury Note2.86%
Brazil Federative Republic of (Gov1.26%
Turkey (Republic Of)0.97%
Canada (Government Of)0.91%
Norway Kingdom of (Government)0.86%
Uk Treasury0.83%
Australia (Commonwealth Of)0.82%
Switzerland (Confederation Of)0.80%
Germany (Federal Republic Of)0.80%
Sweden (Kingdom Of)0.80%
France (Govt Of) Bonds 144A Regs 05/36 1.250.80%
Buoni Poliennali Del Tes0.80%
New Zealand (Government Of)0.78%
Peru (Republic Of)0.73%
Panama (Republic Of)0.72%
Ecopetrol SA0.69%
Colombia (Republic Of)0.65%
Hungary Sr Unsecured Regs 03/36 5.50.64%
Indonesia (Republic Of)0.63%
Romania (Republic Of)0.63%
Dominican Republic (Government)0.62%
South Africa (Republic Of)0.60%
United Mexican States0.58%
Softbank Group Corp0.53%
Kazakhstan (Republic Of)0.50%
Cote D Ivoire (Republic Of)0.50%
Uruguay (Oriental Republic Of)0.50%
Republic of Serbia Sr Unsecured Regs 06/34 60.49%
Paramount Skydance Corp0.47%
Perusahaan Penerbit Surat Berharga0.45%
Mexico (United Mexican States) (Go0.43%
Undersecretariat of Treasury Asset0.42%
Morocco (Kingdom Of)0.41%
Quikrete Holdings Inc0.39%
Transdigm Inc0.38%
Meridian Arc Holdco Llc0.38%
Echostar Corp0.38%
Jamaica (Government)0.38%
Venture Global Lng Inc0.37%
Nexstar Media Inc0.37%
Japan (Government Of) 10YR #3760.36%
Ocp SA0.35%
Sharjah Emirate of0.35%
Dp World Ltd Uae Sr Unsecured Regs 07/37 6.850.34%
Petrobras Global Finance Bv0.33%
Trinidad and Tobago (Republic Of)0.32%

Only in IRTR

29,043 securities, 99.5% of IRTR by weight

Apple1.69%
NVIDIA1.62%
Microsoft1.31%
Treasury Note 1.38% 11/15/2031 (Tnote)1.28%
Amazon.com Inc0.79%
Treasury Note 2.63% 02/15/2029 (Tnote)0.76%
Alphabet Class A0.55%
Treasury Note 3.13% 11/15/2028 (Tnote)0.54%
Treasury (Cpi) Note 1.13% 10/15/2030 (Tips)0.54%
Treasury (Cpi) Note 1.25% 04/15/2031 (Tips)0.54%
Taiwan Semiconductor Manufacturing0.53%
Treasury (Cpi) Note 1.63% 04/15/2030 (Tips)0.52%
Broadcom Inc0.51%
Treasury (Cpi) Note 1.63% 10/15/2029 (Tips)0.51%
Treasury Note 2.75% 02/15/2028 (Tnote)0.50%
Treasury (Cpi) Note 2.13% 04/15/2029 (Tips)0.49%
Treasury (Cpi) Note 2.38% 10/15/2028 (Tips)0.49%
Treasury (Cpi) Note 1.63% 10/15/2027 (Tips)0.48%
Treasury (Cpi) Note 1.25% 04/15/2028 (Tips)0.47%
Treasury (Cpi) Note 0.13% 04/15/2027 (Tips)0.47%
Treasury (Cpi) Note 0.13% 01/15/2031 (Tips)0.46%
Treasury (Cpi) Note 0.13% 07/15/2031 (Tips)0.46%
Meta Platforms Class A0.46%
Alphabet Class C0.45%
Treasury (Cpi) Note 0.13% 07/15/2030 (Tips)0.44%
Treasury (Cpi) Note 0.38% 07/15/2027 (Tips)0.43%
Treasury (Cpi) Note 0.50% 01/15/2028 (Tips)0.43%
Treasury Bond 2.50% 05/15/2046 (Tbond)0.42%
Treasury Note 2.88% 05/15/2028 (Tnote)0.42%
Treasury Bond 3.75% 11/15/2043 (Tbond)0.41%
Treasury (Cpi) Note 0.13% 01/15/2030 (Tips)0.40%
Treasury Bond 2.75% 11/15/2042 (Tbond)0.40%
Tesla Inc0.40%
Eli Lilly0.38%
Treasury (Cpi) Note 0.38% 01/15/2027 (Tips)0.37%
Treasury (Cpi) Note 0.75% 07/15/2028 (Tips)0.36%
Treasury Bond 6.13% 11/15/2027 (Tbond)0.36%
Treasury (Cpi) Note 0.25% 07/15/2029 (Tips)0.36%
Berkshire Hathaway Inc Class B0.34%
Treasury Bond 1.88% 02/15/2051 (Tbond)0.34%
Micron Technology0.34%
Treasury (Cpi) Note 0.88% 01/15/2029 (Tips)0.31%
Treasury Note 4.00% 05/31/2028 (Tnote)0.31%
JPMorgan Chase & Co0.30%
Treasury Note (Old) 4.38% 05/15/2036 (Tnote)0.28%
Treasury Note 2.38% 05/15/2029 (Tnote)0.28%
Advanced Micro Devices0.28%
Treasury Note 4.00% 05/31/2030 (Tnote)0.26%
Exxonmobil Holdings Corp0.26%
Treasury Note 4.00% 02/29/2028 (Tnote)0.25%

Weight gaps

DIAL and IRTR share no securities.

All 535 DIAL holdings⁠All IRTR holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

DIAL vs IRTR Cost

Overpaying DIAL vs IRTR

$4,263

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

DIAL 0.29%
$5,952
IRTR 0.08%
$1,689

Amount$10,000

Years30 years

Cost over time

DIAL 0.29%
IRTR 0.08%
Overpaying

Year by year

Year	DIAL	IRTR	Overpaying
10	$527	$147	$380
20	$2,044	$575	$1,469
30	$5,952	$1,689	$4,263

Expense ratio

0.29%DIAL
0.08%IRTR, cheaper

IRTR0.08%DIAL0.29%

0.06%1.36%

Middle half of Multi-Asset Allocation funds
Median 0.57%

IRTR 2nd cheapest of 37 funds

DIAL 7th cheapest of 37 funds

DIAL vs IRTR Dividends

Last 12 months to Nov 2, 2026

Yield (12M): DIAL 5.74%, better; IRTR 3.17%
Payout (12M): DIAL $1.00; IRTR $1.00
Last payment: DIAL $0.08; IRTR $0.08
Ex-dividend: DIAL Nov 2, 2026; IRTR Oct 2, 2026
Paid on: DIAL Pays Nov 4, 2026; IRTR Oct 7, 2026
Frequency: DIAL Monthly; IRTR Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

DIALMonthly · 46 paymentsAll DIAL payments⁠

IRTRMonthly · 35 paymentsAll IRTR payments⁠

DIAL vs IRTR Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: DIAL 6.5%, betterIRTR 7.3%
Return per unit of riskSharpe ratio, 3 years: DIAL 0.39IRTR 1.14, better
Worst fallMax drawdown, 5 years: DIAL −21.6%IRTR −6.3%since Oct 2023
Market sensitivityBeta, 5 years: DIAL 1.10IRTR 0.47; Market = 1

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