iShares' Latest Target-Date ETF for a Secure Retirement Pathway

How ITDJ Works

The ITDJ, or "2070 Fund,"

is a target-date ETF designed for investors planning to retire around the year 2070. Unlike traditional index-tracking funds, ITDJ follows a custom benchmark developed by BlackRock Financial Advisors (BFA), using proprietary models to balance growth and risk. This benchmark isn’t publicly disclosed, allowing BFA to apply a multi-dimensional, adaptive approach to asset allocation.

At inception, nearly 99% of ITDJ's assets are allocated to equity-focused ETFs, aiming to maximize growth in the fund’s early years. A small portion is allocated to fixed-income and money market investments, providing a slight buffer against volatility. The selection of underlying funds includes a variety of asset classes, regions, and sectors to diversify holdings.

Over time, ITDJ’s asset allocation follows a “glide path,” gradually shifting more of its portfolio to fixed income as it nears its 2070 target date. By the time of retirement, the fund's mix will balance equities with a significant portion of fixed income, reducing risk and volatility for investors entering retirement.

Why Investors Should Consider ITDJ?

Investors should consider ITDJ

for its simplicity, cost-efficiency, and expert management, making it an attractive option for those planning to retire around 2070. This single ETF offers diversified exposure to a broad mix of stock and bond ETFs, providing a convenient, all-in-one solution that gradually adjusts its allocation over time. This adaptive strategy helps investors manage risk as they move closer to retirement, reflecting a thoughtful, long-term approach to portfolio management.

In addition to convenience, ITDJ

benefits from low fees and the tax efficiency of an ETF structure, ensuring that more of each investor’s capital remains invested and working toward their retirement goal. Managed by BlackRock’s experienced LifePath team, known for their pioneering work with target-date funds, ITDJ combines the advantages of professional oversight with decades of expertise in retirement planning, providing investors confidence in their path to financial security.

About iShares

iShares, launched in 2000, has become a global leader in the ETF market, offering a diverse range of investment options that now manage trillions in assets across multiple asset classes and strategies. Renowned for its expertise in portfolio construction and risk management, iShares has developed the LifePath series—a suite of target-date funds that set a standard for retirement-focused investing.

With the introduction of LifePath ETFs, iShares brings its retirement planning expertise and ETF innovation to a broad audience. The ITDJ 2070 Fund

reflects iShares' commitment to thoughtful asset allocation, cost efficiency, and tax advantages, providing investors with a structured path to retirement security.

Please note this article is for information purposes only and does not in any way constitute investment advice. It is essential that you seek advice from a registered financial professional prior to making any investment decision.