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    DEFINED CONTRIBUTION

    Retirement insights

    Welcome to your all-in-one resource for perspectives on the topics impacting your business and participants. Here, you’ll find insights on everything from plan design and participant engagement to regulatory trends and market volatility. Stay informed on the latest thinking from leaders at BlackRock and beyond.

    A circular tunnel featuring a tree sprouting from within, representing perspectives in retirement insights
    • All retirement resources All retirement resources
    • Target date strategies Target date strategies
    • Participant engagement Participant engagement
    More articles loaded. Use Shift+Tab keys to browse. Total articles:
    • A person making a mobile payment, symbolizing the ease of accessing funds during retirement plan volatility.

      What to tell participants about tapping into their retirement savings

      May 26, 2025 | By BlackRock Retirement Perspectives
      What to tell participants about borrowing from their defined contribution plans during market volatility. Explore strategies to boost retirement savings and equip yourself with knowledge to ensure financial security during unforeseen challenges.
    • A man and woman stand before a vibrant building, symbolizing the importance of planning for hidden healthcare costs in retirement.

      Hidden healthcare costs: Understanding financial security for retirees

      May 14, 2025 | By BlackRock Retirement Perspectives
      Retirement healthcare costs can be expensive depending on the care you need. Explore your retirement insurance options to help prepare for future expenses.
    • An up button on an orange background, representing the positive steps towards achieving retirement goals.

      The facts of lifetime income: How BlackRock is redefining retirement

      May 7, 2025 | By BlackRock Retirement Perspectives
      BlackRock introduced LifePath Paycheck®, a new standard in target date fund solutions that offers a guaranteed income stream for life.
    • Overhead view of individuals at a table, symbolizing collaboration and effective communication in retirement planning discussions

      Building effective participant communications

      Apr 16, 2025 | By BlackRock Retirement Perspectives
      Effective strategies combine behavioral finance and intuitive design to overcome decision-making barriers. Discover how to fully tap into it.
    • A woman sits on a windowsill, reflecting on the importance of guaranteed income for women in retirement.

      Women and retirement: Why guaranteed income could be a game-changer

      Mar 20, 2025 | By BlackRock Retirement Perspectives
      Women face unique challenges when it comes to saving: the gender pay gap, and the career gap that can come with caregiving responsibilities.
    • A joyful elderly couple sit together, symbolizing the celebration of their new chapter in retirement

      Navigating the retirement window: Introduce more certainty to outcomes

      Mar 20, 2025 | By BlackRock Retirement Perspectives
      The “Retirement Window” is the period between 55-70 when risks are heightened and pivotal decisions shape retirement outcomes.
    • Aerial perspective of a road through a green lake, representing the path to achieving a reliable retirement income.

      Navigating retirement income solutions for DC plans

      Mar 17, 2025 | By BlackRock Retirement Perspectives
      People have never been more challenged with how to spend down their retirement savings. A range of new solutions are emerging to help answer those needs.
    • A volcano erupts, symbolizing the unpredictable nature of market volatility in retirement planning

      Navigating market volatility: Strategies for plan sponsors

      Mar 11, 2025 | By BlackRock Retirement Perspectives
      Plan sponsors have an opportunity to help participants stay the course and see the value that a long-term approach to retirement and their 401(k) brings.
    • A combine harvester in a field illustrates the harvest of profits, similar to the income generated through securities lending

      Securities lending: What's in it for participants?

      Mar 10, 2025 | By BlackRock Retirement Perspectives
      Many plan sponsors who didn't participate in securities lending following the financial crisis reexamine the practice to unlock portfolio value.
    • A figure in red boots braves the rain, representing the importance of emergency savings within retirement strategies.

      Adding emergency savings solutions to retirement plans

      Mar 8, 2025 | By Rob Crothers
      Emergency savings solutions in retirement plans are on the horizon. See what the research teaches us and how 401(k) plans can benefit from lessons learned.
    • Aerial view of boats on water, symbolizing the importance of consistent retirement spending for a secure future

      Inflation and target date funds revisited

      Feb 28, 2025 | By BlackRock Retirement Perspectives
      LifePath, a target date fund, delivers consistent retirement spending by accounting for inflation and evolving market, policy, and demographic shifts.
    • Aerial view of a car navigating a winding road, symbolizing the journey to secure retirement income for improved outcomes.

      Retirement income for better outcomes

      Feb 26, 2025 | By BlackRock Retirement Perspectives
      We believe helping deliver retirement income remains a critical element of an employer's benefits package. Here are our core principles for meaningful in-plan retirement income offerings.
    • A woman stands confidently in front of a train, symbolizing the journey of retirement and the significance of evaluating active target date funds.

      Alpha unmasked: Differentiating skill from market risk in active TDFs

      Feb 20, 2025 | By BlackRock Retirement Perspectives
      Target date funds allow participants to automate risk budgeting and asset allocation for retirement savings. Active fees should yield active returns.
    • Aerial view of an individual walking on a paved path, symbolizing the journey of retirement and the need for emergency savings.

      Emergency savings: bridging the gap between short and long-term saving

      Feb 3, 2025 | By BlackRock Retirement Perspectives
      We examine the why, the how, and the who behind emergency savings benefits in our series with the BlackRock Emergency Savings Initiative and Commonwealth.
    • A row of five brightly colored plastic tubes, representing the various forces that shape retirement in the United States.

      The five forces shaping U.S. retirement

      Jan 24, 2025 | By BlackRock Retirement Perspectives
      Retirement confidence has plunged to levels not seen since the 2008 Global Financial Crisis. This challenging period magnifies the cracks in our retirement system. Our report identifies five major trends shaping retirement.
    • A box of green and white pencils represent the tools for crafting a stable retirement through guaranteed income.

      Anchoring spending in choppy waters: The impact of guaranteed income

      Jan 22, 2025 | By BlackRock Retirement Perspectives
      New research demonstrates the range of outcomes an investor might expect across market environments with and without guaranteed retirement income.
    • An older couple reviews papers at a table, symbolizing retirement planning and the importance of supporting overlooked talent.

      Age of experience: How employers can support often-overlooked talent

      Jan 22, 2025 | By BlackRock Retirement Perspectives
      No one should have to work longer than they want to. But with people regularly living past 90, are we still thinking about retirement the right way?
    • A person carefully plants flowers in a garden, symbolizing growth and nurturing, akin to optimizing retirement income strategies

      How to optimize retirement income

      Jan 21, 2025 | By BlackRock Retirement Perspectives
      How can individuals optimize retirement income - and the role policymakers have to play in advancing financial security? BlackRock worked with the Bipartisan Policy Center (BPC) to lift the veil.
    • Two older woman hiking in the woods, representing longevity and the costs associated with living longer.

      Women live longer. Can they afford it?

      Jan 21, 2025 | By BlackRock Retirement Perspectives
      It’s hard to overcome the effects of wage gaps: We find that women’s 401(k) retirement balances are often 30% lower than men’s, impacting confidence.
    • A woman holds a yoga mat, representing the benefits of financial well-being for a healthy retirement lifestyle.

      The wellness perk companies should consider this year (It’s not kombuc...

      Jan 10, 2025 | By BlackRock Retirement Perspectives
      It may be easy to imagine the financial well-being that guaranteed retirement income can bring in the future. But knowing you'll have that spending money in the future could offer a serotonin boost now.
    • A woman floats serenely in a pool, arms outstretched, enjoying retirement and the benefits of guaranteed lifetime income.

      Who benefits from guaranteed lifetime income?

      Jan 9, 2025 | By BlackRock Retirement Perspectives
      BlackRock modeling reveals that guaranteed lifetime income enhances savings for all workers, ensuring retirees don't outlive their funds.
    • Women racing on a track, symbolizing empowerment and strength in the pursuit of financial independence

      Women in investing: Strategies for financial empowerment

      Jan 9, 2025 | By BlackRock Retirement Perspectives
      On International Women’s Day, Gargi Pal Chaudhuri, Head of iShares Investment Strategy and Markets Coverage at BlackRock, and Anne Ackerley, BlackRock’s Senior Advisor on Retirement, sat down for a conversation about women and investing.
    • A blue wall features a yellow fire escape, symbolizing the importance of a tailored savings strategy in retirement planning.

      A retirement for the ages

      Jan 8, 2025 | By BlackRock Retirement Perspectives
      Save for retirement from your first job to the finish line. Focus on your needs, tailor your strategy, and get financial guidance for your journey.
    • A man strolls down a path bordered by two hedges, illustrating the importance of both spending and investing during retirement.

      Spending and investing in retirement

      Dec 11, 2024 | By Anne Ackerley, Nick Nefouse CFA
      To better understand why retirees are either spending down assets or not, BlackRock engaged Greenwald and Associates to understand how retirees really think about spending and investing in retirement.
    • Aerial view of a winding road cutting through a lush green forest representing retirement planning.

      Rethinking the role of the Agg in retirement planning

      Nov 20, 2024 | By BlackRock Retirement Perspectives
      We evaluated whether a more finely-tuned approach to LifePath's fixed income allocations could help achieve the objective of greater lifetime consumption over a participant's lifecycle. Our research findings indicate that the answer is yes
    • A man wearing an orange shirt stands in a narrow canyon, addressing key retirement income issues for plan sponsor

      Solving five key retirement income concerns for plan sponsors

      Nov 14, 2024 | By BlackRock Retirement Perspectives
      Explore the challenges plan sponsors face in providing guaranteed retirement income solutions and highlight the barriers to adoption, while also presenting innovative strategies to address these concerns.
    • A detailed view of a green plant, representing the enduring benefits of lifetime income for annuity owners.

      Annuity owners value the benefits of lifetime income

      Oct 22, 2024 | By BlackRock Retirement Perspectives
      Discover why annuity owners value lifetime income for financial security, peace of mind, and protection against market volatility and inflation
    • Roller skates featuring vibrant wheels, set against a clean white background

      30 years of LifePath® target date funds

      Sep 25, 2024 | By BlackRock Retirement Perspectives
      Life doesn’t slow down at retirement. After 30 years, neither will we. In the 30 years since we pioneered target date funds, we’ve continually evolved our LifePath solutions to help deliver the retirement outcomes participants need.
    • A red lighthouse framed by a gate, representing stability and direction in the context of inflation hedging strategies.

      How should target date strategies hedge inflation?

      Aug 12, 2024 | By BlackRock Retirement Perspectives
      BlackRock research into human capital offers new insight into how and when target date funds need to help manage inflation. Learn about these strategies here.
    • Yellow fingerprint on black background, representing that retirement is personal.

      Retirement. It's personal.

      Jul 10, 2024 | By BlackRock Retirement Perspectives
      BlackRock's 2024 Read on Retirement® survey reveals that retirement is personal. And yet, many of the challenges workes face are common and shared.
    • Aerial view of a city illuminated at night, showcasing the vibrant lights and urban landscape amidst the AI revolution in retirement

      The AI revolution in retirement

      Mar 5, 2024 | By BlackRock Retirement Perspectives
      The opportunities to integrate AI into our retirement ecosystem seem limitless. To help provide a bit of focus, we highlight three key points for plan fiduciaries to consider as you begin to integrate AI into retirement portfolios.
    More resources

    Retirement income

    With a new generation entering retirement dependent almost entirely on savings, we are building solutions for plan sponsors that seek to provide participants with access to retirement income.

    Explore our retirement income solutions Explore our retirement income solutions
    • Strategic plan design Strategic plan design
    • BlackRock for 403(b) plans BlackRock for 403(b) plans

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