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ETF Model Portfolios · IRTR · Moderately conservative band

IRTR against the ETFIQ Strategic 40 benchmark

iShares LifePath Retirement ETF holds 40.2% 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, IRTR returned +5.11%, 0.16 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. IRTR’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 IRTR is shaded where the comparison dates it. Computed by ETFIQ from Tiingo daily prices. Not published: the 3Y range, the comparison carries no such window; the 5Y range, the comparison carries no such window; the 10Y range, the comparison carries no such window.

Growth of $10,000 over 1Y, Sep 30, 2025 to Sep 30, 2026: IRTR ends at $10,511, Strategic 40 at $10,527, the benchmark hypothetical.$11,149$10,644$10,139$9,634hypothetical · the current rule applied to past prices$10,511$10,5272025 Sep2025 Dec2026 Apr2026 Jul2026 Sep
IRTRStrategic 40, the benchmarkHypothetical
Value of $10,000 at six points from Sep 30, 2025 to Sep 30, 2026; the same numbers as the chart. IRTR is its market-price total return; the benchmark is hypothetical.
Value onSep 30, 2025Dec 10, 2025Feb 24, 2026May 7, 2026Jul 21, 2026Sep 30, 2026
IRTR$10,000$10,150$10,448$10,568$10,642$10,511
Reference$10,000$10,176$10,467$10,585$10,635$10,527
Growth of $10,000 over the whole shared history, Oct 19, 2023 to Oct 9, 2026: IRTR ends at $13,999, Strategic 40 at $13,982, the benchmark hypothetical.$14,711$13,018$11,324$9,630hypothetical · the current rule applied to past pricestracked$13,999$13,98220232024202520262026
IRTRStrategic 40, the benchmarkHypothetical
Value of $10,000 at six points from Oct 19, 2023 to Oct 9, 2026; the same numbers as the chart. IRTR is its market-price total return; the benchmark is hypothetical.
Value onOct 19, 2023May 23, 2024Dec 26, 2024Aug 4, 2025Mar 9, 2026Oct 9, 2026
IRTR$10,000$11,327$11,986$12,784$13,609$13,999
Reference$10,000$11,329$11,956$12,765$13,603$13,982

IRTR and Strategic 40 by window

WindowFromToIRTRStrategic 40Difference, pointsSide
Year to dateDec 31, 2025Oct 9, 2026+4.36%+4.17%*+0.19IRTR ahead
1 yearSep 30, 2025Sep 30, 2026+5.11%+5.27%*−0.16IRTR behind
3 years, a yearnot publishednot publishednot publishednot publishednot publishednot published
5 years, a yearnot publishednot publishednot publishednot publishednot publishednot published
10 years, a yearnot publishednot publishednot publishednot publishednot publishednot published
Since Oct 19, 2023, a yearOct 31, 2023Sep 30, 2026+11.96%+11.96%*0.00level
IRTR’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
IRTRExpense ratio, from its prospectus0.08%$8Nov 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.
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
IRTR 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 IRTR and its benchmark

Why is IRTR measured against ETFIQ Strategic 40?
IRTR holds 40.2% 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, IRTR vs the ETFIQ Strategic 40 benchmark, data as of Oct 9, 2026. https://etfiq.com/models/compare/irtr/

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 ratesIRTR’s page, with its prospectus and feeIRTR’s page, with its prospectus and feeIRTR’s prospectus filing, for its expense ratioIRTR’s prospectus filing, for its expense ratio

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