DEFINED CONTRIBUTION

LifePath target date funds

Capital at risk. The value of investments and the income from them can fall as well as rise and are not guaranteed. Investors may not get back the amount originally invested.

UK savers need access to high quality retirement solutions as they look to put their hard earned savings to work in order to facilitate spending in retirement. One of the key challenges is developing a default  investment strategy that can be relevant to a diverse workforce, as well as adapt to changes in the investment and regulatory landscape.

For this reason, we believe it is crucial for schemes to build defaults that can stand the test of time, adapt to the changing pension landscape, and deliver outcomes suited to the needs of today’s UK saver.

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Why Target Date Funds?

Target date funds (TDFs), like LifePath, help take the guesswork out of saving for retirement. The aim of LifePath is to help members achieve a consistent level of spending through their lives by designing an age-aware investment strategy.

Risk: There can be no guarantee that the investment strategy can be successful and the value of investments may go down as well as up.

Why Target Date Funds?

Target date funds (TDFs) help take the guesswork out of saving for retirement. The aim of LifePath TDFs is to help members achieve a consistent level of spending through their lives by designing an age aware investment strategy.

Target Date Funds (TDFs) aim to help schemes meet the challenge of building better defaults because they can offer greater flexibility for members and help ease the investment and governance burden for trustees, pensions managers and their advisers.

In the more than 25 years since BlackRock introduced LifePath®, our goal has remained the same: helping plan sponsors guide their participants successfully into and through retirement.

Why LifePath Funds?

LifePath aims to reflect changing investment needs over a member’s lifetime by gradually altering its investment mix as members near their target retirement date.

LifePath helps members take the right amount of risk at the right time in their lives, from a focus on growth when they are  young to protecting their wealth near to and in retirement.

Key facts about LifePath

Risk: This information should not be relied upon as research, investment advice, or a recommendation regarding any products, strategies, or any security in particular. This is for illustrative and informational purposes and is subject to change. It has not been approved by any regulatory authority or securities regulator.

Environmental, Social and Governance (ESG)
Environmental, Social and Governance (ESG)
LifePath puts sustainability at the heart of its investment approach and we manage ESG risks through engagement and sustainable building blocks.
Improved reporting and transparency
Improved reporting and transparency
We use our market leading platform, Aladdin, to constantly monitor portfolios and provide reporting on performance, transaction costs and stewardship.
Built for UK savers
Built for UK savers
LifePath asset allocation is backed by more than two decades of UK demographic research.
Suitable for decumulation
Suitable for decumulation
LifePath helps members spend in retirement as well as save during their careers.
Scale and resources
Scale and resources
Trusted by 100s of UK clients with over £5.9bn invested (Source: BlackRock, 31 December 2020)
Cost efficient
Cost efficient
We know that every pound saved is a pound that can be used to pay pensions.
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LifePath UK update

Dominic Byrne, Investment Strategist for UK LifePath portfolios provides our first update for 2021 focusing on: what happened to LifePath portfolios in 2020, changes made to our portfolios and the outlook for our investment strategy.

LifePath target date funds

There are some challenges in life you may be prepared to take on. And there are others where you’d rather trust a professional. The same holds true when investing for retirement. LifePath is a professionally managed investment option which follows a sophisticated flight plan that adjusts for your time to retirement.

What can human capital tell us about retirement investing?

Can a single target date fund manage retirement investments for thousands of members with different ages and income levels?

Up your DC game

Alex Cave, Head UK DC identifies key themes from our recent DC Pulse Survey such as member confidence, ambition, planning, views on COVID and ESG. Alex and our fantastic panel then discuss key changes default funds need to be making to try and close the funding gap, how defaults should be adopting ESG, people’s ambitions around retirement savings and how default structure can help support members.