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Simple Retirement Income Planning with the CoRI™ Suite

The CoRI suite is a framework that helps you think about and plan for income in retirement. The suite includes three things - indexes, an online tool and mutual funds. Whether you use all three components or just one, the CoRI suite is meant to help you prepare for the transition period when you stop saving and start spending. It can help you translate your retirement savings today into an estimate of your future retirement income – and it can help you plan for the income you want in retirement.

These brief videos give you a quick look at how each piece of the CoRI suite works and how together, they can help you prepare for retirement:

Learn how CoRI gives you a new number that can help you explore important retirement questions.

Learn how the CoRI Funds offer a new way to plan for retirement income.

  1. Learn why tracking the CoRI Retirement Indexes also gives you a way to track your progress to your retirement income goals.
  1. Learn why the flexibility of the CoRI Funds gives you choices when it comes to choosing a retirement income plan.

Carefully consider the BlackRock CoRI Funds' investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the Funds' prospectus and, if available, summary prospectus, which may be obtained by calling 800-882-0052. Read the prospectus carefully before investing.

Investing involves risk, including possible loss of principal.

The CoRI Funds are not target date funds and do not by themselves represent a balanced investment. Each CoRI Fund has a number (a "reference year") in its name that designates the year in which an investor turns 65. An investment in the CoRI Funds is not guaranteed, and an investor may experience losses, including near, at, or after the reference year. Each CoRI Fund will commence its liquidation process 10 years after (on or about) July 1st of the reference year.

The CoRI Funds do not ensure that an investor will have sufficient assets to cover retirement expenses or that an investor will have enough saved to be able to retire in the year identified in the CoRI Fund name. The CoRI Funds, the CoRI Retirement Indexes, their returns, and the value of an investment in the CoRI Funds, 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. There can be no assurance that an investment strategy based on a CoRI Retirement Index will be successful. The CoRI Retirement Indexes are unmanaged and an investor cannot invest directly in a CoRI Retirement Index.

The CoRI Funds may engage in active and frequent trading and may experience high portfolio turnover, which may result in increased transaction costs to the funds. The two main risks related to fixed income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in bond values. The CoRI Funds may be subject to a greater risk of rising interest rates due to the current period of historically low rates. Credit risk refers to the possibility that the bond issuer will not be able to make principal and interest payments. The CoRI Funds may use derivatives to hedge investments or to seek to enhance returns. Derivatives entail risks relating to liquidity, leverage and credit that may reduce returns and increase volatility.

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 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. The Affiliated Index Provider is affiliated with, but a separate legal entity from, BlackRock Advisors, LLC, a subsidiary of BlackRock, Inc. and the CoRI Funds’ investment adviser. BlackRock Advisors, LLC will have no role in maintaining the CoRI Retirement Indexes and will not be involved in, or have any control over, the calculation of the CoRI Retirement Index Levels or the construction of the CoRI Retirement Indexes’ securities portfolios. 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.

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