ITDC vs ITDI

ITDCAiShares LifePath Target Date 2035 ETF

ITDIBiShares LifePath Target Date 2065 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.

ITDI Target-date investing usually lives inside a 401(k) menu. This one trades like a stock: a single ticker holding a diversified mix of stock and bond ETFs aimed at a 2065 retirement, growing more 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.

ITDI The fund seeks to provide a diversified mix of stock and bond ETFs for investors expecting to retire or begin withdrawals around 2065. Its allocation becomes more conservative as retirement 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

• ITDI One ticker handles the housekeeping: a diversified mix of stock and bond ETFs that shifts toward conservative as 2065 approaches, so the glide path is the fund's job, not yours.ishares.com
• Costs 0.12% a year, a rounding error away from the 0.11% typical of its target-date peer group.
• What's inside matches what's on the label, and the fund sits in the upper half of its target-date group on our overall read.
• The 2065 rung of a full LifePath ladder iShares brought to the ETF wrapper in 2023, running alongside dated siblings like ITDH (2060) and ITDJ (2070) at the same 0.12% fee.

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.

• ITDI Decades from its target date, it sits at the growth-heavy end of the glide path, so it moves more like a stock fund than a balanced one.
• A small fund with lighter trading than mainstream index ETFs, so spreads matter most on large or hurried orders.
• Distributions arrive once or twice a year, not monthly.

Full ITDC profile⁠

Full ITDI profile⁠