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Participants may be worried. Even if their job is secure, they may face economic hardship if a family member is laid off or loses income due to a slowdown. If the worst happens, they may look to their retirement plan as a source of financial relief.
Now is the time to get out in front of participants with straight talk about taking money from their retirement plan. Borrowing or withdrawals after a steep market decline can amplify all the drawback of a loan – in effect, they may be selling out when the market’s low and buying back in later, when it may be higher, or not buying back at all.
The ability to access retirement assets may be important for participants’ peace of mind, but it’s critical they make an informed choice. While plan sponsors should review the plan's rules to help prepare their communications, the FAQs below may offer a starting point for addressing participant inquiries.
Anyone can face unexpected financial difficulties. Here are a few things to consider before making a decision.