Meet CoRI™: Your Pre-Retirement Guide

The years just before retirement can be among the most anxious — especially given today's uncertain financial climate. You need a simple place to start — and a way to gain a clearer idea of how far your money can go in retirement — so you can adjust your savings or investment strategy accordingly and move forward with confidence. View the video below to see how CoRI can help, and explore the links to the right to find other tools to help you navigate your pre-retirement.

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    Meet CoRI.
    CoRI comes from BlackRock.
    And if you are 55 to 64, CoRI’s going to be your guide though your pre-retirement years.

    Here’s why.
    CoRI is a tool powered by a set of BlackRock indexes.
    Like all indexes, they track a value over time.
    But while the S&P 500 index tracks certain share prices,
    These indexes track something very unique:
    the estimated price today of a dollar of annual retirement income up to ten years from now.
    Which means, CoRI can look to the future.
    But don’t bother asking about the outcome of the 2023 World Series.
    CoRI is focused on one thing only:
    calculating the estimated annual income you can expect in retirement
    based on the amount of savings you have today.

    CoRI is no battery powered calculator.
    It doesn’t use outdated historical data.
    Or ask you to make loads of assumptions.
    It’s guidance is powered by real, live indexes.
    And backed by BlackRock’s analytics.
    CoRI gives you a clear picture of where you stand.
    Right now. This very second.
    So you can better plan where you’ll be when you retire.
    3...5...10 years from now.

    So, how does it work?
    Every day, the indexes that power CoRI are calculated by looking at five types of real-world, real-time market data—
    current interest rates, inflation forecasts, risk adjustments, life expectancy tables, and cash flow presumptions.
    Once you tell CoRI how old you are, CoRI looks at the index for the year you turn sixty five to find your CoRI Index level.

    And that number lets CoRI do some impressive stuff.
    Like estimate the annual income your current savings can provide.
    Or flip the equation and show the amount you need to save to reach the retirement income you want.
    It’s not magic, it’s math.

    It’s a way of looking at the years ahead,
    that’s years ahead of anything else.
    You can call it revolutionary.
    Or you can just call it CoRI.

This material is provided for educational purposes and should not be considered investment advice. BlackRock cannot be held responsible for any direct or incidental loss resulting from applying any of the information obtained from these materials or from any other source mentioned. BlackRock is not engaged in rendering any legal, tax or accounting advice. Please consult with a qualified professional for this type of advice.

IMPORTANT: The projections or other information generated by the CoRI tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

This information should not be relied upon as investment advice, research, or a recommendation by BlackRock regarding (i) the use or suitability of the indexes or (ii) any security in particular. Investors should consult their financial advisor to evaluate their investment needs.

The CoRI Retirement indexes and the CoRI tool do not guarantee future income or protect against loss of principal. There can be no assurance that an investment strategy based on the CoRI Retirement Indexes or the CoRI tool will be successful. Indexes are unmanaged and one cannot invest directly in an index.


The CoRI Retirement Indexes and data are subject to change. Data shown is for informational purposes only and does not represent an actual account. The CoRI tool is based on CoRI Retirement Index levels that are updated daily, so results may vary with each use and over time. The CoRI Retirement Indexes and CoRI tool do not reflect the fees, expenses and cost that may be associated with an annuity or any other retirement income product that an individual may purchase, or any assumption that such a product will be available for purchase at the time of retirement. Actual investment outcomes may vary. Although the CoRI tool provides an estimate of the amount of money you need today for every dollar of annual income you want in retirement, this estimate is not a guarantee. A number of factors may contribute to variations in retirement income.

The CoRI Retirement Indexes are calculated by BlackRock Index Services, LLC. BlackRock Investments, LLC and BlackRock Index Services, LLC are subsidiaries of BlackRock, Inc.

Prepared by BlackRock Investments, LLC ("BRIL"), member FINRA. BRIL is a subsidiary of BlackRock, Inc.

©2014 BlackRock, Inc. All rights reserved.BLACKROCK, BLACKROCK SOLUTIONS,  iSHARES, SO WHAT DO I DO WITH MY MONEY, INVESTING FOR A NEW WORLD, and BUILT FOR THESE TIMES are registered and unregistered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.

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