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ETF Model Portfolios · AOK · Moderately conservative band

AOK against the ETFIQ Strategic 40 benchmark

iShares Core 30/70 Conservative Allocation ETF holds 31.1% of its net assets in stocks, counted through the funds it holds, which places it in the moderately conservative band. Its matched benchmark is ETFIQ Strategic, 40% stocks, a written rule, not a fund.

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In the year to Sep 30, 2026, AOK returned +3.93%, 1.34 points behind the ETFIQ Strategic 40 benchmark’s hypothetical +5.27%.

Growth of $10,000

Trailing ranges end on Sep 30, 2026, All on Oct 9, 2026. AOK’s line is its own market-price total return; the benchmark’s is dashed and shaded where hypothetical, before Oct 5, 2026. The largest drawdown of AOK is shaded where the comparison dates it. Computed by ETFIQ from Tiingo daily prices.

Growth of $10,000 over 1Y, Sep 30, 2025 to Sep 30, 2026: AOK ends at $10,393, Strategic 40 at $10,527, the benchmark hypothetical.$11,149$10,649$10,150$9,650hypothetical · the current rule applied to past prices$10,393$10,5272025 Sep2025 Dec2026 Apr2026 Jul2026 Sep
AOKStrategic 40, the benchmarkHypothetical
Value of $10,000 at six points from Sep 30, 2025 to Sep 30, 2026; the same numbers as the chart. AOK is its market-price total return; the benchmark is hypothetical.
Value onSep 30, 2025Dec 10, 2025Feb 24, 2026May 7, 2026Jul 21, 2026Sep 30, 2026
AOK$10,000$10,154$10,425$10,490$10,527$10,393
Reference$10,000$10,176$10,467$10,585$10,635$10,527
Growth of $10,000 over 3Y, Sep 29, 2023 to Sep 30, 2026: AOK ends at $13,126, Strategic 40 at $13,610, the benchmark hypothetical.$14,395$12,750$11,106$9,462hypothetical · the current rule applied to past prices$13,126$13,61020232024202520252026
AOKStrategic 40, the benchmarkHypotheticalLargest drawdown −4.96%, Feb 26, 2025 to Apr 8, 2025
Value of $10,000 at six points from Sep 29, 2023 to Sep 30, 2026; the same numbers as the chart. AOK is its market-price total return; the benchmark is hypothetical.
Value onSep 29, 2023May 6, 2024Dec 10, 2024Jul 21, 2025Feb 25, 2026Sep 30, 2026
AOK$10,000$10,950$11,725$12,201$13,199$13,126
Reference$10,000$11,039$11,904$12,433$13,574$13,610
Growth of $10,000 over 5Y, Sep 30, 2021 to Sep 30, 2026: AOK ends at $11,803, Strategic 40 at $12,265, the benchmark hypothetical.$12,953$11,296$9,638$7,980hypothetical · the current rule applied to past prices$11,803$12,26520212022202420252026
AOKStrategic 40, the benchmarkHypotheticalLargest drawdown −18.94%, Nov 5, 2021 to Oct 14, 2022
Value of $10,000 at six points from Sep 30, 2021 to Sep 30, 2026; the same numbers as the chart. AOK is its market-price total return; the benchmark is hypothetical.
Value onSep 30, 2021Sep 29, 2022Sep 29, 2023Sep 27, 2024Sep 30, 2025Sep 30, 2026
AOK$10,000$8,430$8,992$10,586$11,357$11,803
Reference$10,000$8,357$9,012$10,745$11,652$12,265
Growth of $10,000 over 10Y, Sep 30, 2016 to Sep 30, 2026: AOK ends at $15,784, Strategic 40 at $17,376, the benchmark hypothetical.$18,373$15,401$12,429$9,458hypothetical · the current rule applied to past prices$15,784$17,37620162019202120242026
AOKStrategic 40, the benchmarkHypotheticalLargest drawdown −18.94%, Nov 5, 2021 to Oct 14, 2022
Value of $10,000 at six points from Sep 30, 2016 to Sep 30, 2026; the same numbers as the chart. AOK is its market-price total return; the benchmark is hypothetical.
Value onSep 30, 2016Sep 28, 2018Sep 29, 2020Sep 27, 2022Sep 27, 2024Sep 30, 2026
AOK$10,000$10,807$12,380$11,197$14,157$15,784
Reference$10,000$11,042$12,850$11,756$15,222$17,376
Growth of $10,000 over the whole shared history, Jan 4, 2010 to Oct 9, 2026: AOK ends at $22,075, Strategic 40 at $25,402, the benchmark hypothetical.$26,504$20,839$15,175$9,510hypothetical · the current rule applied to past pricestracked$22,075$25,40220102014201820222026
AOKStrategic 40, the benchmarkHypothetical
Value of $10,000 at six points from Jan 4, 2010 to Oct 9, 2026; the same numbers as the chart. AOK is its market-price total return; the benchmark is hypothetical.
Value onJan 4, 2010May 10, 2013Sep 15, 2016Jan 23, 2020May 31, 2023Oct 9, 2026
AOK$10,000$12,302$13,757$16,750$16,949$22,075
Reference$10,000$12,608$14,380$18,025$18,755$25,402

AOK and Strategic 40 by window

WindowFromToAOKStrategic 40Difference, pointsSide
Year to dateDec 31, 2025Oct 9, 2026+3.24%+4.17%*−0.93AOK behind
1 yearSep 30, 2025Sep 30, 2026+3.93%+5.27%*−1.34AOK behind
3 years, a yearSep 29, 2023Sep 30, 2026+9.49%+10.82%*−1.33AOK behind
5 years, a yearSep 30, 2021Sep 30, 2026+3.37%+4.17%*−0.80AOK behind
10 years, a yearSep 30, 2016Sep 30, 2026+4.67%+5.68%*−1.01AOK behind
Since Jan 4, 2010, a yearJan 29, 2010Sep 30, 2026+4.88%+5.84%*−0.96AOK behind
AOK’s own market-price total return beside Strategic 40 over the same closes; YTD and 1 year as total returns, the longer windows a year over whole months. The difference is the two printed figures subtracted, in percentage points. *Hypothetical as a whole: the benchmark’s window begins before its tracked date, Oct 5, 2026. Data sourced by Tiingo.

Fees

PortfolioFeeA yearOn $10,000As of
AOKExpense ratio, from its prospectus0.15%$15Nov 21, 2025
Strategic 40Weighted fund fee, inside its returns0.04%$4Oct 9, 2026
Both fees are already inside the returns above. On $10,000 is the fee times 100, the dollars a year at that fee.

Risk over 10 years

FigureAOKStrategic 40
Volatility, a year6.92%7.93%
Largest drawdown, on daily values−18.94%−20.32%
Beta to the benchmark0.87measured against itself
Correlation1.00measured against itself
Tracking error, a year1.26%measured against itself
Up capture0.85measured against itself
Down capture0.88measured against itself
From monthly returns, Sep 30, 2016 to Sep 30, 2026, 120 months; the drawdown on daily values. Beta, correlation, tracking error and captures measure the fund against the benchmark.
How a benchmark is published

A written rule over broad, low-cost ETFs, frozen on Oct 3, 2026, with its weights, calendar and returns on its own page. Figures before Oct 5, 2026 are hypothetical: today’s rule and funds applied to earlier prices. Total returns are market price with distributions reinvested, net of each fund’s own fees, with nothing else deducted. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias. Methodology v1.3 →

Where to next
AOK fund page→The Strategic 40 benchmark→Every benchmark at 40% stocks→Every model, side by side→How the benchmarks are built→

Questions people ask about AOK and its benchmark

Why is AOK measured against ETFIQ Strategic 40?
AOK holds 31.1% of its net assets in stocks, counted through the funds it holds, so it sits in the moderately conservative band, more than 30% and up to 50% stocks. ETFIQ Strategic 40 is the benchmark for that band.
What does ETFIQ Strategic 40 hold?
40% VT and 60% US bonds (BND and AGG in equal parts), rebalanced on the last trading day of each month. It is a published rule, not a fund, and ETFIQ takes no payment from any fund company.
Why are the benchmark’s returns hypothetical?
Its rule was frozen on a stated date. Returns before it apply today’s rule and funds to earlier prices; the fund’s own returns are its market price with distributions reinvested. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias.
Cite this page

ETFIQ, AOK vs the ETFIQ Strategic 40 benchmark, data as of Oct 9, 2026. https://etfiq.com/models/compare/aok/

Open data →

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms. The underlying files are at Open data. Figures before Oct 5, 2026 are hypothetical.

Sources and credit
Prices and distributions, every fund the benchmarks holdData sourced by Tiingo · end of day · Oct 9, 2026The risk-free rate, for the Sharpe ratioU.S. Treasury daily bill ratesAOK’s page, with its prospectus and feeAOK’s page, with its prospectus and feeAOK’s prospectus filing, for its expense ratioAOK’s prospectus filing, for its expense ratio

Computed by ETFIQ from Tiingo daily prices. Data sourced by Tiingo.