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At BlackRock, our mission is to help you navigate retirement, from saving and investing to spending. Individuals are living longer than ever and saving for retirement can be challenging. Learn how to prepare for retirement with short videos that explain key investing concepts.

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LifePath® target date funds explained

As the first target date fund, LifePath has seen investors through more market ups and downs than any other target date fund. We remain focused on the challenges ahead through a deep commitment to research into every aspect of retirement investing.

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BlackRock currently manages a suite of target date funds that contain mixes of several different types of stocks, bonds and other investments to help you take more risks when you’re young, and then gradually get more conservative in your investment strategy over time.

Retirement income solutions for the next generation

We’ve launched a solution that combines the simplicity of a target date strategy with the increased certainty of an annuity from insurers selected by BlackRock.

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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 from your financial professional. The prospectuses and, if available, the summary prospectuses should be read carefully before investing.

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Investing in target date funds involves risk, including possible loss of principal. The target date in the name of the fund is the approximate date when an investor plans to start withdrawing 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.

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