ITDD vs ITDJ

ITDDBiShares LifePath Target Date 2040 ETF

ITDJBiShares LifePath Target Date 2070 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.

ITDJ A whole retirement portfolio in one ticker, built for people who expect to stop working around 2070. It holds global stock and bond ETFs and shifts from growth toward capital preservation 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.

ITDJ The fund seeks diversified exposure through stock and bond ETFs for investors expecting to retire or begin withdrawals around 2070. Its allocation shifts from growth toward capital preservation 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

• ITDJ One trade buys a globally diversified stock-and-bond mix that rebalances itself along a published glide path. No spreadsheet, no quarterly tinkering.ishares.com
• 0.12% a year for the whole package, matching siblings ITDH and ITDI and sitting a hair above the 0.11% typical of its target-date ETF peers.
• The longest-dated rung in the iShares LifePath ETF ladder, so it sits at the growth end of the glide path rather than the preservation end.
• What is inside matches what is on the label: stock and bond ETFs spanning global markets, with no style drift from the stated mandate.

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.

• ITDJ Launched in 2024 and still one of the smaller, lightly traded funds in its group. Spreads can be wide, so limit orders do real work here.
• A 2070 target means a heavily equity-tilted mix today. That is the design, and it comes with deeper drawdowns than a nearer-dated LifePath fund.
• Distributions arrive once or twice a year, not monthly, so this is not built as an income-check fund.

Full ITDD profile⁠

Full ITDJ profile⁠