ITDD vs ITDH

ITDDBiShares LifePath Target Date 2040 ETF

ITDHBiShares LifePath Target Date 2060 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.

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

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.

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

• 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

• 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

• 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.

• 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 ITDD profile⁠

Full ITDH profile⁠