Every stage on your retirement journey is crucial – but some are more crucial than others. Today, preparing for your retirement is about keeping your savings, leveraging your benefits, and making plans. Decisions that once seemed a long way off are now right around the corner – or maybe they are ready to be made right now!

You are now in the critical ramp-up to retirement. Saving and investing appropriately in the new world of retirement is more complex than ever before. Fortunately, there is plenty you can do to navigate such choppy waters.

Meet CoRI™: Your Pre-Retirement Guide


CoRI is a simple place to start navigating pre-retirement – and a way to help plan for your retirement income.

  • View Transcript

    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    It doesn’t use outdated historical data.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.

Investing involves risk, including possible loss of principal.

This material is provided for educational purposes only and is not intended to constitute “investment advice” or an investment recommendation within the meaning of federal, state, or local law. You are solely responsible for evaluating and acting upon the education and information contained in this material. BlackRock will not be liable for any direct or incidental loss resulting from applying any of the information obtained from these materials or from any other source mentioned. BlackRock does not render any legal, tax or accounting advice and the education and information contained in this material should not be construed as such. Please consult with a qualified professional for these types 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.

The CoRI Retirement Indexes are maintained by BlackRock Index Services, LLC (the “Affiliated Index Provider”), a subsidiary of BlackRock, Inc., that designs, sponsors and publishes indices for use in portfolio benchmarking and portfolio management. While the Affiliated Index Provider publishes descriptions of what the CoRI Retirement Indexes are designed to achieve, the Affiliated Index Provider does not provide any warranty or accept any liability in relation to quality, accuracy or completeness of data in respect of the CoRI Retirement Indexes, and does not guarantee that the CoRI Retirement Indexes will not deviate from their stated methodologies. The Affiliated Index Provider does not provide any warranty or guarantee for Affiliated Index Provider errors.

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

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

DC-1416