Help participants stay on track for retirement with LifePath, BlackRock’s target date fund platform. Research-intensive design powers a broad lineup of gold-rated retirement solutions that evolve to target the right risk at the right time across a lifetime.
BlackRock’s LifePath® Target Date Fund Platform
LIFEPATH DYNAMIC: ACTIVE TARGET DATE FUND
Gold-rated active target date strategy built to adapt and outperform. 1
LIFEPATH SOLUTIONS
BlackRock's customizable target date design framework.
RETIREMENT INCOME
Target date strategy with an optional lifetime income stream.2
Targeting the right risk, at the right time, across a lifetime.
BlackRock LifePath target date funds are diversified retirement investment strategies built for defined contribution plans and long-term retirement savers. The platform includes active, index, income and custom solutions designed to help participants manage risk throughout their working years to support spending in retirement.
LifePath® sets the P.A.T.H. for retirement
Precise glidepath
Built to navigate the tradeoffs between growth, income, and risk—starting at 99% equity for growth and stabilizing risk at retirement to support consistent spending.
Anchored in research
A dedicated investment team studies how people earn, save, and spend—informing a glidepath designed to evolve with investor needs and potentially improve retirement outcomes.
Target date platform
LifePath offers active, index, income, and custom target date strategies—giving plan sponsors the flexibility to choose the right implementation for their participants needs.
Human-centered
As the #1 DC investment-only provider, ³ our goal is helping people retire better. LifePath’s Participant Engagement program helps improve savings behaviors and outcomes.
Spotlight: LifePath Solutions
LifePath solutions is BlackRock’s customizable target date design framework, combining proprietary research, global retirement expertise and whole-portfolio capabilities to build a solution tailored to your workforce.
We start with your people. We analyze participant demographics, plan design and your objectives to determine the right glidepath, investment approach and building blocks.
Then we build around that answer. We draw across index, active management, private markets and guaranteed lifetime income building blocks to design your solution, manage it as one portfolio and evolve it as your plan changes.
Simple to implement and manage. We manage the complexity behind the scenes, so plans and participants get a simple experience.
(P)recise glidepath
Growth when investors have time on their side
99% equity exposure early in the journey seeks to maximize long-term growth potential during the accumulation years.
Managing risk as retirement approaches
Equity exposure is gradually reduced during the retirement window (the years before and after retirement) when losses can have the greatest impact.
Spending confidence in retirement
The glidepath seeks to maintain a steady level of risk through retirement to support consistent spending.
Source:
BlackRock, Morningstar Direct as of 12/31/2025. LifePath is represented by LifePath Dynamic series. Peer glidepaths represent actual allocations from select category constituents based on relative age. Peer group sourced from largest target date funds by AUM according to Morningstar.
(A)nchored in research
Philosophy
Over three decades of ongoing research-driven enhancements
We believe better outcomes start with better research. Our approach is grounded in three areas: studying participant behavior, modeling markets through changing conditions, and continuously innovating. Together, these insights help us build solutions designed to deliver stronger retirement outcomes.
2026 de-risking research
Rethinking lifecycle investing in a longer-life world
Our updated models now incorporate broader population data and more realistic assumptions about income stability and longer lifespans. This all supports a slower, more measured reduction in risk between ages 45 and 60, potentially resulting in greater wealth at retirement for a significant percentage of individuals.
2022 – 2024 inflation research
Inflation hedging revisited
Our research found that earnings growth tends to outpace inflation across a range of economic environments, providing natural inflation protection earlier in life. Learn how this insight informed glidepath enhancements designed to increase growth potential for younger investors while strengthening inflation resilience through retirement.
(T)arget date platform
LifePath is a flexible target date platform with multiple implementations—so you can choose the approach that best fits your plan’s design and participant needs. Explore our range of solutions.
LifePath Index
Our flagship solution provides low-cost access to BlackRock's strategic asset allocation methodology, backed by three decades of research and investment expertise.
LifePath Dynamic
Built on LifePath Index's time-tested glidepath, the active series adds a steering wheel to navigate markets, aiming to generate alpha over the long term.
Retirement income
Built on LifePath Index's proven glidepath, this solution gives participants the option to convert a portion of their savings into optional lifetime income.
LifePath Solutions
A customizable target date design framework combining proprietary research, global expertise and whole-portfolio capabilities to build a solution tailored to the needs of your plan.
Growth Strategy
Built on LifePath Index's proven glidepath, this strategy is designed to maximize long-term growth through higher equity exposure.
SOURCE: Alpha refers to excess return generated by active decisions, measured relative to the investable LifePath Index (LPI) Funds. Morningstar awarded the LifePath Index Funds [Class K] a gold medal on April 25, 2026 and LifePath Dynamic Funds [Class K] a gold medal as of May 21, 2026. Analyst Driven %, Data Coverage %, and Morningstar has awarded the LifePath Target Date ETF series a Gold medal, its highest level of conviction (effective 27 April 2026). 4
(H)uman-centered
As the #1 DC investment-only provider, our only goal is helping people retire better. LifePath’s Participant Engagement program helps improve savings behaviors and outcomes.
35 million Americans
supported through plans we power, including more than half of the country’s public-school teachers. 5
$1 trillion in wealth assets
including allocations to ETFs, contributing to roughly a quarter of the firm’s revenue. 6
$8 billion in emergency savings
reaching over 22 million Americans since 2019, enabled by nonprofits through BlackRock’s Emergency Savings Initiative.7
Five key trends shaping retirement
Explore five trends shaping the future of retirement, from individualized pensions and lifetime income to small-plan growth and policy innovation.
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LifePath is BlackRock’s target date fund platform. It is research-intensive broad lineup of gold-rated retirement solutions that evolve to target the right risk at the right time across a lifetime.
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