IRTR vs VOO
iShares LifePath Retirement ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | IRTR | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $58M | $979.0B | |
| Dividend Yield | 2.99% | 1.09% | |
| Holdings | 15 | 509 | |
| YTD Return | +5.34% | +13.79% | |
| 1Y Return | +10.47% | +23.01% | |
| 3Y Return (annualized) | - | +21.78% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 6.8% | 14.1% | |
| Max Drawdown | -6.3% | -34.3% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | Sep 7, 2010 |
IRTR vs VOO Performance
iShares LifePath Retirement ETF (IRTR) is a ETF from iShares by BlackRock (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year IRTR returned +10.47% while VOO returned +23.01%. Year to date, IRTR is up 5.34% versus a gain of 13.79% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 6.8% for IRTR. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -6.3% for IRTR and -34.3% for VOO. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IRTR charges 0.08% per year while VOO charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, IRTR currently yields 2.99% against 1.09% for VOO.
Holdings Overlap
IRTR and VOO share 0 holdings out of 519 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IRTR or VOO?
IRTR has an expense ratio of 0.08% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, IRTR or VOO?
Over the past year IRTR returned +10.47% vs +23.01% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (3 years), IRTR annualized +13.19% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, IRTR or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 6.8% for IRTR. Worst drawdown: IRTR -6.3% vs VOO -34.3%.
Should I hold both IRTR and VOO?
IRTR and VOO have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IRTR and VOO?
IRTR and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 519 unique securities.
Which pays a higher dividend, IRTR or VOO?
IRTR yields 2.99% while VOO yields 1.09%, so IRTR currently pays the higher dividend yield.
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