Introducing a whole new way to help your clients invest
Introducing a whole new way to help your clients invest for retirement
FOR FINANCIAL PROFESSIONAL USE ONLY. Not to be shown or distributed to the general public.
We’ve reframed the retirement problem. To help solve it in a whole new way. With today’s longer retirements, the nest egg is no longer all it’s cracked up to be. In fact, $500K in retirement savings could only generate an estimated $26K each year in retirement income.* That’s why BlackRock is looking at the problem in a whole new way — by focusing on the income your clients really want each year in retirement. And that’s why we’ve developed a whole new approach to retirement investing that can help close the gap between where your clients are today and the annual income they really want.
2
* Hypothetical example based on an individual aged 60 today. Actual investment outcomes may vary. The estimated annual retirement income is based on the CoRI Retirement Index 2020 level as of 3/22/16. CoRI Retirement Index levels are updated daily and are subject to change over time. Retirement is assumed to begin at age 65. CoRI Retirement Indexes (“CoRI Indexes”) are a series of age-based indexes designed to help individuals measure retirement readiness and plan for future income goals in the years leading up to and in the early retirement phase. Each CoRI Index provides a daily “level” that can be used to estimate how much annual lifetime retirement income an individual’s current retirement savings could generate, taking into account current interest rates, inflation expectations, life expectancy and other factors. Such estimates are not guaranteed. For more information, go to http://www.blackrock.com/cori/what-is-cori.
Introducing iRetire. ™
A whole new way to help your clients, age 50 to 70, invest for retirement. So you can:
ENGAGE your clients and reframe the conversation
around the number that really matters — the income they could have each year in retirement.
MOVE them to action by showing them — in three simple steps — whether they have a retirement income gap, the steps they can take to help close it, and a portfolio that can help put their iRetire™ plan into action.
KEEP them on track by monitoring their progress and providing regular updates.
3
4
For illustrative purposes only.
The challenge: Focusing clients on the number that really matters. We’ve heard from many advisors how important it is — and how challenging it can be — to get clients, age 50 to 70, focused on the number that really matters… the income they could have each year in retirement. Many of them don’t realize what you know all too well: because they are living longer, clients may have a gap between what their current savings could give them and the income they really want each year in retirement.
Where you stand today Estimated Annual Retirement Income
Your goal Income Gap
5
6
For illustrative purposes only.
Showing – not just telling – in three simple steps. At the heart of the iRetire™ plan is a simple, engaging experience that helps you move your clients, age 50 to 70, to action by showing them — in a matter of minutes, not hours — ways they can potentially close their gap.
S T E P
O N E
Showing your clients where they stand today. With just three simple inputs, the iRetire™ plan helps you engage your clients by translating their current savings into the number that really matters — the income they could have each year in retirement. iRetire™ then shows your clients if they have a gap between the income their nest egg could provide each year in retirement and the income they really want. It’s all powered by CoRI™, BlackRock’s advanced retirement income engine.
7
8
S T E P
T W O
Exploring different ways to help close the gap. iRetire™ helps move your clients to action, by taking them from a tough conversation about their gap to showing them how they can make it better. Using simple and intuitive levers, the iRetire™ plan shows how small changes today… • Saving more • Working longer • Investing differently …could get them closer to the income they want in the future. And if your clients don’t have a gap, iRetire™ can show them if they can do even better.
9
Your Client’s iRetire Portfolio ™
A mix of investments designed to help put your client’s plan into action.
62%
20% 4% 4%
10
10%
INCOME
62%
MANAGED GROWTH
20%
CAPITAL PRESERVATION
10%
INFLATION PROTECTION
4%
GROWTH
4%
For illustrative purposes only. Does not represent an actual account.
S T E P
T H R E E
Building a model portfolio to help put your client’s iRetire™ plan into action. Based on your client’s inputs, iRetire™ can help you build a portfolio designed with their income goal in mind. iRetire™ portfolios use BlackRock’s sophisticated portfolio construction expertise to blend efficient, low cost* indexed iShares® ETFs. The iRetire™ plan also helps you keep your clients on track by leveraging BlackRock’s state-of-the-art analytics to update portfolio allocations through a disciplined rebalancing approach. As a result, iRetire™ helps keep your clients focused on their longer-term income goals, rather than shorter-term market sensitivity.
* Buying and selling shares of ETFs will result in brokerage commissions.
11
12
For illustrative purposes only.
Scale your practice. iRetire™ gives you the intensive support you need to become more efficient and scale your practice. Surrounding you with rich and compelling content: • Seminars, events, CE, practice management. • Access to retirement specialists to strengthen your practice and reach new clients. Deepening your relationship with existing clients by putting your expertise at the center of a more relatable conversation, by scheduling regular “check-ups” to make adjustments all the way through retirement. Helping attract new business by assessing the investments of prospective clients — and providing a platform to create and pursue leads.
13
iRetire puts the power of BlackRock — trusted to manage more money than any other investment * firm in the world — to work for you. ™
14
* Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15.
The daily data of our advanced CoRI retirement income engine. Translating your clients’ current savings into potential annual retirement income using methodology relied on by sophisticated pension plans.
Professional blending of investments. A diverse mix of iShares ETFs, blended together based on the knowledge and portfolio expertise of more than 1,000 professionals around the globe.†
The analytic power of Aladdin , and BlackRock investment experts watching over the iRetire™ portfolios. ®
iRetire™ portfolios are constructed and monitored using the same risk analytics relied on by 60 of the world’s largest financial institutions.†
All wrapped in an exquisite experience and backed by client support. From the dedicated retirement specialists team at the firm trusted to manage more money than any other investment firm in the world.*
* Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15. † As of 12/31/15.
15 15
Access the iRetire™ Plan Today
* Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15. IMPORTANT: The projections or other information generated by the iRetire tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Any information contained in or generated by the iRetire tool should not be construed as or relied upon as investment advice, research or a recommendation by BlackRock regarding the use or suitability of any particular asset allocation, fund or overall investment strategy. The iRetire tool is designed to be used in consultation with an advisor, and should not be relied on as a primary basis for an investment decision. Only an investor and their advisor know enough about the investor’s circumstances to make an informed investment decision. Any decision to implement a portfolio generated by the iRetire tool is solely an advisor’s decision in consultation with the client. The iRetire tool and BlackRock’s CoRI methodology do not guarantee future income or protect against loss of principal. There can be no assurance that an investment strategy based on the iRetire tool or BlackRock’s CoRI methodology will be successful.
Carefully consider a fund’s investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the fund’s prospectus or, if available, the summary prospectus, which may be obtained by visiting the iShares ETF regulatory pages or blackrock.com. Read the prospectus carefully before investing. Investing involves risk, including possible loss of principal. The iShares Funds identified in the iRetire tool are distributed by BlackRock Investments, LLC (together with its affiliates, “BlackRock”). ©2016 BlackRock, Inc. All rights reserved. BLACKROCK, BUILD ON BLACKROCK, CoRI, iRETIRE, ALADDIN and iSHARES are registered and unregistered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other marks are the property of their respective owners. FOR FINANCIAL PROFESSIONAL USE ONLY. Not to be shown or distributed to the general public. Lit. No. IRETIRE-ENVBR-0416
6167A-USWA-0416 / USR-9094
FOR FINANCIAL PROFESSIONAL USE ONLY. Not to be shown or distributed to the general public.
We’ve reframed the retirement problem. To help solve it in a whole new way. With today’s longer retirements, the nest egg is no longer all it’s cracked up to be. In fact, $500K in retirement savings could only generate an estimated $26K each year in retirement income.* That’s why BlackRock is looking at the problem in a whole new way — by focusing on the income your clients really want each year in retirement. And that’s why we’ve developed a whole new approach to retirement investing that can help close the gap between where your clients are today and the annual income they really want.
2
* Hypothetical example based on an individual aged 60 today. Actual investment outcomes may vary. The estimated annual retirement income is based on the CoRI Retirement Index 2020 level as of 3/22/16. CoRI Retirement Index levels are updated daily and are subject to change over time. Retirement is assumed to begin at age 65. CoRI Retirement Indexes (“CoRI Indexes”) are a series of age-based indexes designed to help individuals measure retirement readiness and plan for future income goals in the years leading up to and in the early retirement phase. Each CoRI Index provides a daily “level” that can be used to estimate how much annual lifetime retirement income an individual’s current retirement savings could generate, taking into account current interest rates, inflation expectations, life expectancy and other factors. Such estimates are not guaranteed. For more information, go to http://www.blackrock.com/cori/what-is-cori.
Introducing iRetire. ™
A whole new way to help your clients, age 50 to 70, invest for retirement. So you can:
ENGAGE your clients and reframe the conversation
around the number that really matters — the income they could have each year in retirement.
MOVE them to action by showing them — in three simple steps — whether they have a retirement income gap, the steps they can take to help close it, and a portfolio that can help put their iRetire™ plan into action.
KEEP them on track by monitoring their progress and providing regular updates.
3
4
For illustrative purposes only.
The challenge: Focusing clients on the number that really matters. We’ve heard from many advisors how important it is — and how challenging it can be — to get clients, age 50 to 70, focused on the number that really matters… the income they could have each year in retirement. Many of them don’t realize what you know all too well: because they are living longer, clients may have a gap between what their current savings could give them and the income they really want each year in retirement.
Where you stand today Estimated Annual Retirement Income
Your goal Income Gap
5
6
For illustrative purposes only.
Showing – not just telling – in three simple steps. At the heart of the iRetire™ plan is a simple, engaging experience that helps you move your clients, age 50 to 70, to action by showing them — in a matter of minutes, not hours — ways they can potentially close their gap.
S T E P
O N E
Showing your clients where they stand today. With just three simple inputs, the iRetire™ plan helps you engage your clients by translating their current savings into the number that really matters — the income they could have each year in retirement. iRetire™ then shows your clients if they have a gap between the income their nest egg could provide each year in retirement and the income they really want. It’s all powered by CoRI™, BlackRock’s advanced retirement income engine.
7
8
S T E P
T W O
Exploring different ways to help close the gap. iRetire™ helps move your clients to action, by taking them from a tough conversation about their gap to showing them how they can make it better. Using simple and intuitive levers, the iRetire™ plan shows how small changes today… • Saving more • Working longer • Investing differently …could get them closer to the income they want in the future. And if your clients don’t have a gap, iRetire™ can show them if they can do even better.
9
Your Client’s iRetire Portfolio ™
A mix of investments designed to help put your client’s plan into action.
62%
20% 4% 4%
10
10%
INCOME
62%
MANAGED GROWTH
20%
CAPITAL PRESERVATION
10%
INFLATION PROTECTION
4%
GROWTH
4%
For illustrative purposes only. Does not represent an actual account.
S T E P
T H R E E
Building a model portfolio to help put your client’s iRetire™ plan into action. Based on your client’s inputs, iRetire™ can help you build a portfolio designed with their income goal in mind. iRetire™ portfolios use BlackRock’s sophisticated portfolio construction expertise to blend efficient, low cost* indexed iShares® ETFs. The iRetire™ plan also helps you keep your clients on track by leveraging BlackRock’s state-of-the-art analytics to update portfolio allocations through a disciplined rebalancing approach. As a result, iRetire™ helps keep your clients focused on their longer-term income goals, rather than shorter-term market sensitivity.
* Buying and selling shares of ETFs will result in brokerage commissions.
11
12
For illustrative purposes only.
Scale your practice. iRetire™ gives you the intensive support you need to become more efficient and scale your practice. Surrounding you with rich and compelling content: • Seminars, events, CE, practice management. • Access to retirement specialists to strengthen your practice and reach new clients. Deepening your relationship with existing clients by putting your expertise at the center of a more relatable conversation, by scheduling regular “check-ups” to make adjustments all the way through retirement. Helping attract new business by assessing the investments of prospective clients — and providing a platform to create and pursue leads.
13
iRetire puts the power of BlackRock — trusted to manage more money than any other investment * firm in the world — to work for you. ™
14
* Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15.
The daily data of our advanced CoRI retirement income engine. Translating your clients’ current savings into potential annual retirement income using methodology relied on by sophisticated pension plans.
Professional blending of investments. A diverse mix of iShares ETFs, blended together based on the knowledge and portfolio expertise of more than 1,000 professionals around the globe.†
The analytic power of Aladdin , and BlackRock investment experts watching over the iRetire™ portfolios. ®
iRetire™ portfolios are constructed and monitored using the same risk analytics relied on by 60 of the world’s largest financial institutions.†
All wrapped in an exquisite experience and backed by client support. From the dedicated retirement specialists team at the firm trusted to manage more money than any other investment firm in the world.*
* Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15. † As of 12/31/15.
15 15
Access the iRetire™ Plan Today
* Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15. IMPORTANT: The projections or other information generated by the iRetire tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Any information contained in or generated by the iRetire tool should not be construed as or relied upon as investment advice, research or a recommendation by BlackRock regarding the use or suitability of any particular asset allocation, fund or overall investment strategy. The iRetire tool is designed to be used in consultation with an advisor, and should not be relied on as a primary basis for an investment decision. Only an investor and their advisor know enough about the investor’s circumstances to make an informed investment decision. Any decision to implement a portfolio generated by the iRetire tool is solely an advisor’s decision in consultation with the client. The iRetire tool and BlackRock’s CoRI methodology do not guarantee future income or protect against loss of principal. There can be no assurance that an investment strategy based on the iRetire tool or BlackRock’s CoRI methodology will be successful.
Carefully consider a fund’s investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the fund’s prospectus or, if available, the summary prospectus, which may be obtained by visiting the iShares ETF regulatory pages or blackrock.com. Read the prospectus carefully before investing. Investing involves risk, including possible loss of principal. The iShares Funds identified in the iRetire tool are distributed by BlackRock Investments, LLC (together with its affiliates, “BlackRock”). ©2016 BlackRock, Inc. All rights reserved. BLACKROCK, BUILD ON BLACKROCK, CoRI, iRETIRE, ALADDIN and iSHARES are registered and unregistered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other marks are the property of their respective owners. FOR FINANCIAL PROFESSIONAL USE ONLY. Not to be shown or distributed to the general public. Lit. No. IRETIRE-ENVBR-0416
6167A-USWA-0416 / USR-9094
