ITDD vs ITDI

ITDDBiShares LifePath Target Date 2040 ETF

ITDIBiShares LifePath Target Date 2065 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.

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

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.

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

• 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

• 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

• 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.

• 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 ITDD profile⁠

Full ITDI profile⁠