IRTR vs WTIP: Grades, Fees and Holdings Compared

iShares LifePath Retirement ETF

IRTRANYSE Arca

WisdomTree Inflation Plus Fund

WTIPDNasdaq

Overlap

0.0%by weight

Expense ratio

IRTR −0.57pt a year

IRTR0.08%WTIP0.65%

Avg volume · 30D

IRTR 1.9×the volume

IRTR12.7KWTIP6.78K

IRTR vs WTIP Performance

Oct 31, 2025 – Oct 30, 2026

+5.1%IRTR+18.1%WTIP

Expense ratio: IRTR 0.08%, better; WTIP 0.65%
Fund size: IRTR $60M; WTIP $28M
1Y total return: IRTR +5.1%; WTIP +18.1%, better
Yield (12M): IRTR 3.17%; WTIP 9.08%, better
Holdings: IRTR 29140; WTIP 35
Avg volume (30D): IRTR 12.7K sh, better; WTIP 6.78K sh
NAV per share: IRTR $31.52; WTIP $34.82
52W range

ETF.net Grade

Pillar letters and Scores for IRTR, WTIP, with each pillar’s weight
Pillar	IRTR	WTIP
Cost30% weight	A97Higher	C44
Mission25% weight	A100	Not scored
Risk15% weight	A82Higher	D32
Tradability15% weight	B62Higher	D35
Holdings10% weight	A80	Not scored
Durability5% weight	B56Higher	D36

Rank among Multi-Asset Allocation funds

How we build Categories ›

Same Category. IRTR and WTIP 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 WTIP 29th 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 28DGDMAGadsden Dynamic Multi-Asset ETFScore 39
Rank 29DWTIPWisdomTree Inflation Plus FundScore 38
Rank 30DBAMABrookstone Active ETFScore 37

Our read on each fund

ETF.net Research

IRTRAiShares LifePath Retirement ETF

WTIPDWisdomTree Inflation Plus Fund

In short

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.

WTIP No data

Stated mandate

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

WTIP No data

Why people hold it

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%.

WTIP No data

Worth knowing

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

WTIP No data

Full IRTR profile⁠

Full WTIP profile⁠

IRTR vs WTIP Holdings

How IRTR and WTIP differ

Overlap by weight

0.0%

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

Level by level

Holdings0 in both0.0%

Sector

No Sector split for WTIP.

Country, concentration and asset class

Country by domicile

No country split for WTIP.

Concentration

Weight in the 10 largest Holdings

IRTR10.0%
WTIP41.3%

Securities held

IRTR29,043
WTIP24

Asset class

IRTR: Multi-Asset
WTIP: Alternatives

Holdings

Only in IRTR29,043
In both0
Only in WTIP24

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%

Only in WTIP

24 securities, 68.4% of WTIP by weight

Low Su Gasoil G DEC263.62%
Sugar #11 (World) MAR273.59%
Tsy Infl Ix N/B 1.125 10/15/20303.34%
Tsy Infl Ix N/B 1.25 4/15/20313.30%
Tsy Infl Ix N/B 1.625 4/15/20303.28%
Tsy Infl Ix N/B 1.625 10/15/20293.22%
Tsy Infl Ix N/B 2.125 4/15/20293.11%
Tsy Infl Ix N/B 2.375 10/15/20283.10%
Tsy Infl Ix N/B 1.625 10/15/20273.03%
Tsy Infl Ix N/B 0.125 4/15/20273.01%
Wisdomtree Bitcoin Fund3.00%
Tsy Infl Ix N/B 1.25 4/15/20282.95%
Tsy Infl Ix N/B 0.125 7/15/20312.85%
Tsy Infl Ix N/B 0.125 1/15/20312.85%
Tsy Infl Ix N/B 0.125 7/15/20302.74%
Tsy Infl Ix N/B 0.5 1/15/20282.68%
Tsy Infl Ix N/B 0.375 7/15/20272.65%
Tsy Infl Ix N/B 0.125 1/15/20302.56%
Brent Crude Futr JAN272.38%
Tsy Infl Ix N/B 0.375 1/15/20272.38%
Tsy Infl Ix N/B 0.75 7/15/20282.32%
Tsy Infl Ix N/B 0.25 7/15/20292.31%
Wti Crude Future JAN272.15%
Tsy Infl Ix N/B 0.875 1/15/20292.00%

Weight gaps

IRTR and WTIP share no securities.

All IRTR holdings⁠All WTIP 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.

IRTR vs WTIP Cost

Overpaying WTIP vs IRTR

$11,028

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

IRTR 0.08%
$1,689
WTIP 0.65%
$12,717

Amount$10,000

Years30 years

Cost over time

IRTR 0.08%
WTIP 0.65%
Overpaying

Year by year

Year	IRTR	WTIP	Overpaying
10	$147	$1,163	$1,016
20	$575	$4,440	$3,865
30	$1,689	$12,717	$11,028

Expense ratio

0.08%IRTR, cheaper
0.65%WTIP

IRTR0.08%WTIP0.65%

0.06%1.36%

Middle half of Multi-Asset Allocation funds
Median 0.57%

IRTR 2nd cheapest of 37 funds

WTIP 20th cheapest of 37 funds

IRTR vs WTIP Dividends

Last 12 months to Oct 30, 2026

Yield (12M): IRTR 3.17%; WTIP 9.08%, better
Payout (12M): IRTR $1.00; WTIP $3.15
Last payment: IRTR $0.08; WTIP $1.96
Ex-dividend: IRTR Oct 2, 2026; WTIP Oct 27, 2026
Paid on: IRTR Oct 7, 2026; WTIP Oct 29, 2026
Frequency: IRTR Monthly; WTIP Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

IRTRMonthly · 35 paymentsAll IRTR payments⁠

WTIPMonthly · 14 paymentsAll WTIP payments⁠

IRTR vs WTIP Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: IRTR 7.3%WTIP 12.6%since Jul 2025
Return per unit of riskSharpe ratio, 3 years: IRTR 1.14WTIP 1.24since Jul 2025
Worst fallMax drawdown, 5 years: IRTR −6.3%since Oct 2023WTIP −16.5%since Jun 2025
Market sensitivityBeta, 5 years: IRTR 0.47WTIP −0.03; Market = 1

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