ITDC vs ITDH

ITDCAiShares LifePath Target Date 2035 ETF

ITDHBiShares LifePath Target Date 2060 ETF

In short

ITDC A whole retirement glide path in one ticker. ITDC holds a portfolio of iShares ETFs that shifts steadily more conservative as 2035 approaches, built for people planning to retire or start withdrawals around then.

ITDH The 401(k) staple, freed from the 401(k). BlackRock's LifePath glide path in a single ticker: a diversified basket of iShares stock and bond ETFs built for a retirement around 2060, shifting toward conservative as that date nears.

Stated mandate

ITDC The fund seeks retirement outcomes through a broad portfolio of ETFs whose allocation changes as the 2035 target date approaches. It is designed for investors expecting to retire or begin withdrawals around 2035 and becomes more conservative over time.

ITDH The fund provides access to a diversified portfolio of stock and bond ETFs designed for investors expecting to retire or begin withdrawals around 2060. Its allocation becomes progressively more conservative as the target date approaches.

Why people hold it

• ITDC Target-date investing pulled out of the 401(k) menu: one ETF that owns a broad mix of funds and dials down risk on a schedule, so nobody has to rebalance by hand.ishares.com
• Costs 0.10% a year, under the typical fee in its target-date ETF cohort and under the longer-dated LifePath siblings like ITDE and ITDH.
• Holds the glide path its prospectus describes with no drift, and stands as one of the strongest implementations among the target-date ETFs we grade.ishares.com

• ITDH One ticker, whole portfolio. A diversified mix of stock and bond ETFs that steps down risk on its own as 2060 approaches. No rebalancing homework.ishares.com
• Does what the label says. Its portfolio matches its stated mandate closely, one reason it sits in the upper half of the target-date ETF group.
• 0.12% a year buys a managed, multi-asset glide path, right around the going rate for target-date ETFs.
• No plan menu required. Fund-of-funds allocation in a 1940 Act ETF, so it trades in any brokerage account during market hours.ishares.com

Worth knowing

• ITDC A smaller, thinly traded fund. Spreads can widen, so limit orders and calmer mid-day windows matter more here than with mega-cap index ETFs.
• The 2035 date is the risk dial. This one keeps getting more conservative, while later-dated versions (ITDE, ITDH) sit earlier on their own glide paths.
• Launched in 2023, so the live record is short, and payouts land once or twice a year rather than monthly.

• ITDH Launched in 2023, still a small and thinly traded fund. Spreads can run wider than on big index ETFs, and size limits its trading cushion.
• A 2060 date means a stock-heavy mix for years. Expect it to ride equity markets until the glide path leans into bonds.
• Costs a hair more than nearer-dated siblings in the same suite, such as ITDC at 0.10%.

Full ITDC profile⁠

Full ITDH profile⁠