Retirement investing requires long‑term discipline, adaptability, and thoughtful risk management as participant needs evolve over time. Target‑date solutions are designed to help institutions address these challenges by providing a structured, diversified approach that adjusts automatically across the retirement journey.
What should a target-date solution deliver?
Why work with BlackRock?
Access
We innovated the target date fund over 30 years ago and our research-driven approach, backed by the scale of BlackRock, continues to lead the industry forward.
Convenience
A better participant experience means simplifying solutions to complex problems.
Choice
The LifePath® platform allows for the flexibility to provide robust solutions that adapt to the unique needs of participants.
BlackRock’s best-in-class retirement team continues to trail blaze changes in the target-date industry, driven by the team’s research-intensive culture.
Morningstar Analyst Report (December 2025)
LifePath strategies
Three distinct target‑date approaches address a central retirement challenge as priorities shift from accumulation to income and spending. Each approach evolves over time, adjusting asset allocation and risk exposure as participants progress toward and through retirement.
LifePath Index
An index‑based target‑date investment strategy implemented through a rules‑based, multi‑asset allocation framework.
LifePath Dynamic
An actively managed target‑date investment strategy combining lifecycle asset allocation with discretionary management across asset classes.
LifePath Paycheck®
A target‑date investment strategy that includes an optional insurer‑provided income component during retirement.
Top retirement insights
Essential tools and resources for your plan
Retirement is changing, with people living longer and investing in more challenging markets. As a global defined contribution investment-only provider, BlackRock provides a breadth of capabilities and depth of knowledge across asset management, plan design, and participant communications.