IRTR ETF — Holdings & Analysis

The iShares LifePath Retirement ETF (IRTR) is a multi-asset ETF with $0.05B in assets under management and an expense ratio of 0.08%.

Launched in October 2023, IRTR aims to provide exposure to a conservative, broad portfolio of ETFs covering global asset classes. Its key differentiator lies in its strategic allocation across various iShares ETFs, offering a diversified approach to retirement planning through a single fund, making it a potentially attractive option for investors seeking a simplified investment solution.

iShares LifePath Retirement ETF (IRTR) ETF — Price, Holdings & Analysis

The iShares LifePath Retirement ETF (IRTR) is a multi-asset ETF with $0.05B in assets under management and an expense ratio of 0.08%. Launched in October 2023, IRTR aims to provide exposure to a conservative, broad portfolio of ETFs covering global asset classes. Its key differentiator lies in its strategic allocation across various iShares ETFs, offering a diversified approach to retirement planning through a single fund, making it a potentially attractive option for investors seeking a simplified investment solution.

ETF Overview

iShares LifePath Retirement ETF seeks to provide exposure to a conservative, broad portfolio of ETFs covering global asset classes.

The iShares LifePath Retirement ETF (IRTR) seeks to provide a comprehensive investment solution by allocating its assets across a range of iShares ETFs, targeting a conservative risk profile suitable for retirement planning. The fund's strategy involves investing in a diversified mix of asset classes, including U.S. Treasury bonds, U.S. equities, mortgage-backed securities, and international equities. A significant portion of the fund is allocated to fixed income, with 23.67% in the iShares US Treasury Bond ETF (GOVT) and 12.75% in the iShares MBS ETF (MBB). Equity exposure is primarily achieved through the iShares Russell 1000 ETF (IWB) at 23.13% and international diversification via the iShares Core MSCI Intl Dev Mkts ETF (IDEV) at 10.14% and iShares Core MSCI Emerging Markets ETF (IEMG) at 4.66%. The fund also incorporates inflation-protected securities through the iShares 0-5 Year TIPS Bond ETF (STIP) at 10.21%. This diversified approach aims to provide a balance of growth and stability, catering to investors with a long-term investment horizon and a preference for lower risk.

Risk Metrics

IRTR's risk profile is shaped by its multi-asset allocation strategy. While diversification across asset classes aims to mitigate risk, certain exposures warrant consideration. The fund's sector allocation reveals a significant concentration in Technology (23.8%) and Financial Services (15.2%), which could amplify the impact of sector-specific downturns. The fund's beta is 0.00, indicating that the fund has very low volatility relative to the market. The expense ratio of 0.08% introduces a minor drag on returns, but it is relatively low compared to other multi-asset ETFs. Investors should also be aware of potential concentration risk arising from its top holdings, with the iShares US Treasury Bond ETF (GOVT) and iShares Russell 1000 ETF (IWB) together accounting for approximately 46.8% of the portfolio. Past performance does not guarantee future results.

Expense Ratio

0.08%

What does IRTR hold?

Holding	Weight
iShares US Treasury Bond ETF (GOVT)	23.67%
iShares Russell 1000 ETF (IWB)	23.13%
iShares MBS ETF (MBB)	12.75%
iShares 0-5 Year TIPS Bond ETF (STIP)	10.21%
iShares Core MSCI Intl Dev Mkts ETF (IDEV)	10.14%
iShares Core MSCI Emerging Markets ETF (IEMG)	4.66%
iShares 1-5 Year invmt Grd Corp Bd ETF (IGSB)	3.91%
iShares 10-20 Year Treasury Bond ETF (TLH)	3.68%
iShares 5-10 Year invmt Grd Corp Bd ETF (IGIB)	2.74%
iShares 10+ Year Invmt Grd Corp Bd ETF (IGLB)	2.15%

How Is the Fund Allocated?

Sector	Weight
Technology	23.8%
Financial Services	15.2%
Industrials	12.8%
Consumer Cyclical	9.1%
Healthcare	8.4%
Communication Services	7.7%
Real Estate	5.4%
Consumer Defensive	5.0%
Energy	4.4%
Basic Materials	4.2%
Utilities	4.0%

Country	Weight
Other	82.3%
Japan	1.1%
Indonesia	0.0%
India	0.3%
Brazil	0.1%
Norway	0.0%
China	0.5%
Greece	0.0%
United Kingdom	0.6%
Australia	0.4%

Dividend Yield

0.00%

FT Vest Laddered Buffer ETF (BUFR) — 0.95% expense ratio
JPMorgan Flexible Income ETF (JFLI) — 0.35% expense ratio
State Street Income Allocation ETF (INKM) — 0.50% expense ratio
VanEck Emerging Markets High Yield Bond ETF (HYEM) — 0.40% expense ratio
FT Vest U.S. Equity Enhance & Moderate Buffer ETF - June (XJUN) — 0.85% expense ratio
FT Vest 20+ Year Treasury & Target Income ETF (LTTI) — 0.65% expense ratio
FT Vest U.S. Equity Enhance & Moderate Buffer ETF - December (XDEC) — 0.85% expense ratio
FT Vest U.S. Equity Buffer ETF - April (FAPR) — 0.85% expense ratio

iShares Russell 2000 ETF (IWM) (Equity) — 0.19% expense ratio
iShares MSCI Emerging Markets ETF (EEM) (Equity) — 0.72% expense ratio
iShares MSCI EAFE ETF (EFA) (Equity) — 0.32% expense ratio
iShares Russell Mid-Cap ETF (IWR) (Equity) — 0.18% expense ratio
iShares MSCI Emerging Markets Small-Cap ETF (EEMS) (Equity) — 0.72% expense ratio
iShares FinTech Active ETF (BPAY) (Equity) — 0.66% expense ratio

Risk Metrics

Beta: 0.00

Questions & Answers

What is IRTR and what does it track?

The iShares LifePath Retirement ETF (IRTR) is a multi-asset ETF designed to provide investors with a diversified portfolio suitable for retirement planning.

Launched in 2023, IRTR seeks to achieve its investment objective by allocating its assets across a range of other iShares ETFs, providing exposure to various asset classes, including U.S. equities, international equities, and fixed income securities.

What is the expense ratio for IRTR?

The iShares LifePath Retirement ETF (IRTR) has an expense ratio of 0.08%. This means that for every $10,000 invested in the fund, investors will pay $8 in annual fees.

What are the top holdings in IRTR?

The iShares LifePath Retirement ETF (IRTR) allocates its assets across a selection of iShares ETFs to achieve its investment objective.

As of 2026-03-15, the top three holdings include: 1) iShares US Treasury Bond ETF (GOVT) at 23.67%, providing exposure to U.S. government bonds; 2) iShares Russell 1000 ETF (IWB) at 23.13%, offering exposure to the broad U.S.

Is IRTR a good long-term investment?

Whether IRTR is a suitable long-term investment depends on an individual investor's specific financial goals, risk tolerance, and time horizon. IRTR offers a diversified portfolio across various asset classes through its holdings in other iShares ETFs.

The fund's expense ratio of 0.08% is relatively low, which can be beneficial for long-term returns.

How does IRTR compare to similar ETFs?

IRTR distinguishes itself through its strategic allocation across iShares ETFs, offering a diversified portfolio within a single fund.

With an expense ratio of 0.08% and AUM of $0.05B, IRTR is a relatively small fund compared to some of its larger competitors in the multi-asset ETF space.

Does IRTR pay dividends?

According to the latest data, the iShares LifePath Retirement ETF (IRTR) has a dividend yield of 0.00%. This indicates that the fund is not currently distributing any dividends to its shareholders.

Investors seeking income-generating investments may want to consider other ETFs with a higher dividend yield. However, it is important to note that dividend yields can fluctuate over time and are not guaranteed.