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Target Date Solutions

LifePath Target Date Funds are built for all life stages

BlackRock Canada’s LifePath® franchise is continuously evolving to help deliver the retirement outcomes your plan members need.

A simple way to invest for retirement

LifePath® Target Date Funds (TDFs) offer a sophisticated retirement investment solution designed to support Canadian plan members at every stage of life.

On a technical level, target date funds monitor four key risks that plan members face: longevity risk, market risk. inflation risk and behavioral risk. These target date funds automatically rebalance risk levels over time, so the only decision a plan member needs to make is their target retirement date – the year they intend to retire.

Life stage Key risks LifePath approach
Early career Saving enough Grow: Seeks growth to help overcome low savings rates.
Mid career Managing market volatility Protect: Seeks to reduce volatility to help provide stability as retirement nears.
In retirement Deliver consistent spending Spend: Seeks to provide consistent spending to help overcome outliving savings.

For most people, the point of saving for retirement is so you can stop working someday. That's why LifePath's investment objective is to support consistent spending in retirement. It's been that way since day one - and it's a big piece of what sets us apart.

Nick Nefouse, CFA
Global Head of Retirement Solutions and Head of LifePath, BlackRock

Your life is full of twists and turns.

As you travel through different seasons toward retirement, picking the right investments to get you through the decades of change can seem intimidating.

Fortunately, target date funds can take the stress out of investing by automatically adjusting your investments on your journey to retirement.

Let's say you want to retire in 2039.

When you turn 65, all you have to do is pick the fund closest to your retirement year.

In this case, you might consider the 2040 fund the funds closest to your target date.

A team of professionals manages the fund and invests in a globally diversified mix of stocks, bonds, and other investments.

They adjust the mix of stocks and bonds as you go through your career to help you stay on track.

By simplifying the process of investing, Target date funds allow you to focus on saving so you can focus on the road to retirement and beyond.

Simplify Investing with LifePath TDFs

Help your plan members navigate their retirement planning with LifePath® Target Date Funds. By implementing an age-aware investment strategy, plan members can potentially achieve consistent spending to and through retirement.

Why work with BlackRock Canada?

LifePath TDFs help Canadian recordkeepers, plan sponsors and consultants meet the evolving needs of plan members with confidence.
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Convenience

An index-based approach leveraging BlackRock’s scale delivers competitive pricing and a sophisticated retirement solution.
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Research Led

Backed by almost 20 years of lifecycle research in Canada.
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Access

Available through all major record keeping platforms.

Contact our institutional team to learn more about defined contribution

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