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LifePath® research on inflation
Sep 16, 2021The topic of inflation is top of mind for plan sponsors and participants as they consider how today’s inflationary pressures will impact their retirement savings. -
LifePath® meets expectations and focuses on retirement income
Jul 29, 2021Our expert discusses recent observations in the market including the rise of interest rates, the shift from growth to value and shift in regimes along with how LifePath portfolios fared as expected in this changing environment. -
LifePath® seeks to smooth the ride for investors
Mar 4, 2021Though the COVID-19 pandemic sent markets plunging in the first quarter of 2020, the LifePath funds weathered the volatility and finished the year with strong returns. -
LifePath® keeps investors on track amid turbulence
Nov 10, 2020The COVID-19 pandemic caused major losses across all risk assets early in 2020. Although the market downturn affected LifePath funds, the funds performed as designed, and benefited from the subsequent rally.
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Carefully consider the Funds' investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the Funds' prospectuses or, if available, the summary prospectuses which may be obtained visiting the iShares ETF and BlackRock Mutual Fund prospectus pages. Read the prospectus carefully before investing.
Investing involves risk, including possible loss of principal.
This material is provided for educational purposes only and is not intended to constitute investment advice or an investment recommendation within the meaning of federal, state or local law. You are solely responsible for evaluating and acting upon the education and information contained in this material. BlackRock will not be liable for direct or incidental loss resulting from applying any of the information obtained from these materials or from any other source mentioned. BlackRock does not render any legal, tax or accounting advice and the education and information contained in this material should not be construed as such. Please consult with a qualified professional for these types of advice.
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Each LifePath Portfolio mutual fund invests all of its assets in a separate mutual fund, called a LifePath Master portfolio, that has a substantially identical investment objective as the LifePath Portfolio. Each master portfolio, in turn, invests in a combination of equity funds, fixed income funds, and money market funds ("Underlying Funds") in proportions based on its own comprehensive investment strategy. BlackRock Fund Advisors is the investment adviser to the Master Portfolios and each of the Underlying Funds.
The LifePath Portfolio mutual funds are distributed by BlackRock Investments, LLC ("BRIL"), member FINRA. BlackRock Fund Advisors ("BFA") serves as the investment adviser to LifePath Portfolio mutual funds, and the Master Portfolios, in which each LifePath Portfolio invests all of its assets and to the Underlying Funds in which the Master Portfolios invest.
The principal value is not guaranteed at any time, including at the target date. This material is not an offer to sell, or an invitation to apply for any particular product or service.
The target date in the funds name is the approximate date an investor plans to start withdrawing money.
Each LifePath Portfolio has a different level of risk. An investment in the LifePath Portfolios is subject to stock market risk, which means the price of the stocks in which the Underlying Funds invest may fluctuate or fall in response to economic events or trends. The prices of bonds in which the Underlying Funds invest may fall because of a rise in interest rates. Investments in foreign securities by the Underlying Funds are subject to certain special risks and considerations, including potentially less liquidity and greater price volatility than securities traded in the U.S. markets.
LifePath seeks to provide a diversified asset allocation solution that adjusts overtime to appropriately balance growing investments when young and a more conservative risk allocation when approaching retirement. LifePath does so by following a glidepath, which establishes how much risk individuals should take at each point over the course of an individual’s lifetime. Through this process, LifePath seeks to help individuals prepare for retirement through their accumulation and decumulation phases.
The LifePath Portfolios must maintain cash balances to meet redemption requests, which may lower overall portfolio performance.
The LifePath products are covered by US patent 8,645,254. Other patents pending.
Target date funds are actively managed and their characteristics will vary.
Fund of funds are subject to the risks associated with the underlying BlackRock funds in which it invests.
Stock values fluctuate in price so the value of your investment can go down depending on market conditions.
Fixed income risks include interest-rate and credit risk. Typically, when interest rates rise, there is a corresponding decline in bond values. Credit risk refers to the possibility that the bond issuer will not be able to make principal and interest payments.
Asset allocation models and diversification do not promise any level of performance or guarantee against loss of principal. Investment in the funds is subject to the risks of the underlying funds. The principal value of the funds is not guaranteed at any time, including at and after the target date.
FOR INSTITUTIONAL OR FINANCIAL PROFESSIONAL USE ONLY. Not to be shown or distributed to the general public.
Prepared by BlackRock Investments, LLC, member FINRA.
©2021 BlackRock, Inc. All rights reserved. BLACKROCK is a trademark of BlackRock, Inc., or its subsidiaries in the United States and elsewhere. All other marks are the property of their respective owners.
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