Overview
The most conservative of the allocation suite — 30% global stocks, 70% bonds across nine iShares core funds, automatically rebalanced at 0.15%.
Top Holdings
| Ticker | Holding | Weight |
|---|---|---|
| IUSB | iShares Core Total USD Bond | 57.5% |
| IVV | iShares Core S&P 500 | 18.4% |
| IAGG | iShares Core Intl Aggregate Bond | 10.4% |
| IDEV | iShares Core MSCI Intl Developed | 8.8% |
| IEMG | iShares Core MSCI EM | 3.3% |
| IJH | iShares Core S&P Mid-Cap | 1.0% |
| IJR | iShares Core S&P Small-Cap | 0.5% |
| CASH | Cash & Treasury fund | 0.1% |
Fund Details
Investment Thesis
Built for the money that must not shrink: with bonds yielding real income again, the 30/70 mix pays 3.5% while the equity sliver keeps pace with inflation — the first time in fifteen years this allocation has earned its keep on both sides. Drawdowns run a third of the equity market's, and the automatic rebalancing removes the only decision conservative investors reliably get wrong, which is touching it.
Who It's For
Capital-preservation investors — retirees deep in decumulation, near-term savings goals — who want one ticker holding mostly bonds with a disciplined equity kicker.
10-Year History
| Year | Close | % Chg |
|---|---|---|
| 2016 | $32.53 | -- |
| 2017 | $34.65 | +6.5% |
| 2018 | $32.72 | -5.6% |
| 2019 | $36.24 | +10.8% |
| 2020 | $38.75 | +6.9% |
| 2021 | $40.01 | +3.3% |
| 2022 | $33.61 | -16.0% |
| 2023 | $36.15 | +7.6% |
| 2024 | $37.30 | +3.2% |
| 2025 | $40.13 | +7.6% |
| Year | Yield |
|---|---|
| 2016 | 2.99% |
| 2017 | 2.99% |
| 2018 | 2.64% |
| 2019 | 2.84% |
| 2020 | 2.25% |
| 2021 | 1.57% |
| 2022 | 2.19% |
| 2023 | 3.06% |
| 2024 | 3.29% |
| 2025 | 3.41% |
| Year | AUM | % Chg |
|---|---|---|
| 2016 | $0.5B | -- |
| 2017 | $0.6B | +20.0% |
| 2018 | $0.5B | -16.7% |
| 2019 | $0.6B | +20.0% |
| 2020 | $0.7B | +16.7% |
| 2021 | $0.7B | +0.0% |
| 2022 | $0.6B | -14.3% |
| 2023 | $0.7B | +16.7% |
| 2024 | $0.7B | +0.0% |
| 2025 | $0.8B | +14.3% |
Price history from exchange data. Dividend yields from reported distributions; some earlier years are derived from total-return vs price-return data or are ETFHub estimates. AUM history is an ETFHub estimate modelled from current assets and annual returns (fund flows not reflected) and may differ from official fund records. Data as of October 2026.
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