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How Target Date Funds Simplify Investing
Your life is full of twists and turns as you travel through different seasons toward retirement.
Picking the right investments to get you through the decades of change can seem intimidating.
Fortunately, target date funds can take the stress out of investing by automatically adjusting your investments on your journey to retirement.
Let’s say you want to retire in 2039 when you turn 65.
All you have to do is pick the fund closest to your retirement year.
In this case, you might consider the 2040 fund – the fund closest to your target date.
A team of professionals manages the fund and invests in a globally diversified mix of stocks, bonds, and other investments.
They adjust the mix of stocks and bonds as you go through your career to help you stay on track.
By simplifying the process of investing, target date funds allow you to focus on saving...so you can focus on the road to retirement and beyond.
Visit your retirement plan website to learn more today.
Your life is full of twists and turns as you travel through different seasons toward retirement.
Picking the right investments to get you through the decades of change can seem intimidating.
Fortunately, target date funds can take the stress out of investing by automatically adjusting your investments on your journey to retirement.
Let’s say you want to retire in 2039 when you turn 65.
All you have to do is pick the fund closest to your retirement year.
In this case, you might consider the 2040 fund – the fund closest to your target date.
A team of professionals manages the fund and invests in a globally diversified mix of stocks, bonds, and other investments.
They adjust the mix of stocks and bonds as you go through your career to help you stay on track.
By simplifying the process of investing, target date funds allow you to focus on saving...so you can focus on the road to retirement and beyond.
Visit your retirement plan website to learn more today.
The LifePath Funds may be offered as mutual funds. You should consider the investment objectives, risks, charges and expenses of each fund carefully before investing. 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. The prospectuses and, if available, the summary prospectuses should be read carefully before investing.
The opinions expressed may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by BlackRock to be reliable. No representation is made that this information is accurate or complete. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader.
This material does not constitute a recommendation by BlackRock, or an offer to sell, or a solicitation of any offer to buy or sell any securities, product or service. The information is not intended to provide investment advice. BlackRock does not guarantee the suitability or potential value of any particular investment.
Investing involves risk, including possible loss of principal. 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.
LifePath target date funds are invested mainly in U.S. and global stocks early on, shifting to more conservative investments, such as bonds, as investors get closer to retirement. The target date is the approximate date when investors plan to start withdrawing their money. The blend of investments in each portfolio are determined by an asset allocation process that seeks to maximize assets based on an investor’s investment time horizon and tolerance for risk. Typically, the strategic asset mix in each portfolio systematically rebalances at varying intervals and becomes more conservative (less equity exposure) over time as investors move closer to the target date. The principal value of a fund is not guaranteed at any time, including at and after the target date.
Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than the original cost. Index returns are for illustrative purposes only and do not represent actual Fund performance. Index performance returns do not reflect any management fees, transaction costs or expenses. Indexes are unmanaged and one cannot invest directly in an index.
Prepared by BlackRock Investments, LLC, member FINRA.
The LifePath products are covered by U.S. patent 8,645,254.
©2025 BlackRock, Inc. or its affiliates. All Rights Reserved. BLACKROCK and LIFEPATH are trademarks of BlackRock, Inc. or its affiliates. All other trademarks are those of their respective owners.
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