ITDD vs ITDG

ITDDBiShares LifePath Target Date 2040 ETF

ITDGBiShares LifePath Target Date 2055 ETF

In short

ITDD A whole retirement portfolio in one ticker: a global mix of stock and bond ETFs that drifts toward bonds as 2040 gets closer. The 401(k) staple, unbundled into something any brokerage account can buy for 0.11% a year.

ITDG A whole retirement glide path in one ticker. ITDG holds a bundle of iShares stock and bond ETFs aimed at a 2055 retirement date and gets more conservative as that date approaches, no 401(k) menu required.

Stated mandate

ITDD The fund seeks to provide a diversified mix of stock and bond ETFs for investors expecting to retire or begin withdrawals around 2040. Its allocation becomes more conservative as the target date approaches.

ITDG The fund is designed as a diversified portfolio of stock and bond ETFs for investors expecting to retire or begin withdrawals around 2055. Its allocation is intended to become more conservative as the target date approaches.

Why people hold it

• ITDD One trade buys a diversified global mix of stock and bond ETFs that grows more conservative as the 2040 target date nears. No rebalancing homework on your end.ishares.com
• Costs 0.11% a year, in line with the typical target-date ETF and cheap for a fund that handles the whole asset mix.
• Ordinary 1940 Act fund in an ETF wrapper, so the glide-path approach long locked inside employer plan menus trades like any other ticker.ishares.com

• ITDG One trade buys a diversified stock-and-bond portfolio built around a 2055 retirement, and the mix is designed to turn more conservative as that date nears.ishares.com
• 0.12% a year for a managed glide path, matching the other long-dated LifePath rungs (ITDH, ITDI, ITDJ all charge the same).
• What it holds lines up with what the prospectus says it does: a fund of iShares index ETFs on a published glide path, not a black box.ishares.com

Worth knowing

• ITDD The glide path is the manager's design. The stock-to-bond shift runs on their schedule and their assumptions, not on your own read of markets or retirement timing.ishares.com
• Launched in 2023 and trades lightly next to core index ETFs, so spreads can be wider than headline funds. Limit orders are the standard workaround.
• In our target-date group it sits in the bottom quartile, behind LifePath siblings a few rungs up and down the ladder such as ITDC and ITDE.

• ITDG With 2055 decades out, the mix leans heavily toward stocks by design, so it moves with equity markets. The de-risking happens later, not now.
• Thinly traded next to mainstream index ETFs, so bid-ask spreads can be wider than the headline fee suggests.
• Distributions land once or twice a year rather than quarterly or monthly, so it is not built as an income drip.

Full ITDD profile⁠

Full ITDG profile⁠