LifePath®: Helping keep your retirement on track
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.
What are LifePath target date funds?
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There are some challenges in life you may be prepared to take on, and there are others where you'd rather trust a professional.
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The same holds true when investing for retirement.
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Some people enjoy the challenge of managing their own investments, while others prefer to let professionals pilot their investment strategies.
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If that's you, there's a professionally managed investment option which follows A sophisticated flight plan that adjusts for your time to retirement.
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The Life Path target state funds seek to provide a diversified investment that balances between growing your investment and managing risks to help you advance towards your retirement goals.
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Similar to how a plane's glide path adjusts as it approaches its destination, the investment allocation changes as you approach retirement.
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When you're young and far from retirement, the investment mix is more aggressive to help your investments grow.
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As you approach retirement, the fund automatically shifts to a more conservative investment allocation with the goal of preserving your savings.
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When you arrive at your desired retirement date, the fund shifts to an investment mix designed to help you retain spending power through retirement.
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So, if you like the idea of gliding into retirement with the help of professionals managing your investments, Life Path Targets Date funds are available to help you on your journey.
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Visit blackrock.com to learn more today.
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The Life Path funds may be offered as mutual funds.
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You should consider the investment objectives, risks, charges and expenses of each fund carefully before investing.
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The prospectuses and, if available, the Summary prospectuses contain this and other information about the funds and are available along with information on other BlackRock funds by calling 800-882-0052 or by visiting www.blackrock.com.
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The prospectuses and, if available, the Summary prospectuses should be read carefully before investing.
Each LifePath fund is named after a target retirement date. Simply select the fund closest to when you expect to retire.
LifePath invests across a broad range of global stocks, bonds and other asset classes in a single fund.
As retirement approaches, the portfolio gradually evolves to reflect changing investment needs and risk levels.
LifePath is continuously monitored and managed, helping keep your investments aligned with long-term retirement goals.
How LifePath evolves over time
Each LifePath fund is designed around when you expect to retire. Later-dated funds, such as LifePath 2065, invest more in growth assets because retirement is further away. As the funds get closer to their target retirement date, they gradually shift towards bonds and other defensive investments to help manage risk.
BlackRock, as of 30 June 2026. Please note figures may not add to 100% due to rounding and may be subject to change in the future. For illustrative purpose only.
What could the future of retirement look like?
Find your LifePath fund
1. Think about when you expect to retire.
2. Choose the fund closest to that year – e.g. retiring in 2053, you might choose LifePath 2055.
3. LifePath then automatically adjusts your investments as you move closer to retirement.
Have a question?
Planning for retirement can raise plenty of questions. Here are answers to some of the most common questions about LifePath target date funds.
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The earlier you start investing, the more time your money has the potential to grow. But it's never too late to begin planning for retirement. LifePath offers a range of target date funds designed for different retirement years, making it easy to choose a fund that aligns with your expected retirement date.
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The amount you'll need depends on your retirement goals, lifestyle and other sources of income. Many people choose to invest regularly, increasing contributions over time as their circumstances change. LifePath target date funds are designed to support regular, long-term investing throughout your retirement journey.
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Saving can be helpful for short-term goals and unexpected expenses, while investing is typically used to help grow your money over the long term. Although investments carry risk, they also offer greater growth potential than cash over longer periods.
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Each fund invests across a diversified mix of global stocks, bonds and other asset classes, helping spread risk across different markets.
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No. Once you've chosen a LifePath fund, it automatically adjusts over time as you move towards retirement. You may wish to review your investment if your retirement plans change significantly.
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No. LifePath is designed for long-term retirement investing, whether retirement is many years away or just around the corner. There are funds designed for different retirement years.
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Target date funds are designed to simplify retirement investing by combining a diversified portfolio with professional management in a single investment. Rather than deciding how to adjust your investments over time, LifePath target date funds automatically evolve as you move towards retirement, helping you stay focused on your long-term goals.
