1 Introducing a whole new way to help your clients invest for retirement
2 It s time to reframe the retirement problem. To help solve it in a whole new way.
3 With today s longer retirements, the nest egg is no longer all it s cracked up to be. In fact, $1,000,000 in retirement savings could only generate an estimated $53K each year in retirement income.* Only $ 53K Estimated Per Year in Retirement * 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 3/2/16. 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 your 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
4 That s why we are looking at the problem in a whole new way by focusing on the income your clients really want each year in retirement to help them start closing the gap between where they are today and the annual income they really want in retirement.
5 Our approach gives you a consistent process for managing retirement and IRA assets.
6 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 MOVE them to action KEEP them on track
7 The Challenge: Focusing clients on the number that really matters Many clients don t realize what you know too well: they may have a gap between what their current savings could give them and the income they really want each year in retirement.
8 Showing not just telling in three simple steps Show your clients where they stand today Explore different ways to help close the gap Build a portfolio to help put their iretire plan into action 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 minutes, not hours ways they can potentially close their gap.
9 Show your clients where they stand today. With just three simple inputs: Their age Current retirement savings And income goal for 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.
10 Powered by BlackRock s advanced retirement income engine. The CoRI engine translates your clients current savings into potential annual retirement income using a methodology relied on by sophisticated pension plans... x $1,000,000 savings at age 60 CoRI Index 2020 level $18.86 $53,000* estimated income per year in retirement * 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 3/2/16. 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 your 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
11 $$$ Where your iretire could help you get Your goal Where you stand today $$$ INCOME GAP $100K All tool screens are shown for illustrative purposes only. Data is subject to change and does not represent an actual account.
12 Explore different ways to help close the gap. The iretire plan helps move your clients to action, showing them how small changes: Saving more Working longer Investing differently could get them closer to the retirement income they want. For illustrative purposes only.
13 $$$ Where your iretire could help you get Your goal Working Longer Where you stand today $$$ INCOME GAP $100K Investing Differently Saving More All tool screens are shown for illustrative purposes only. Data is subject to change and does not represent an actual account.
14 Build a portfolio to help put your clients iretire plan into action. Using BlackRock s sophisticated portfolio construction expertise, iretire portfolios blend efficient, low-cost* ishares ETFs...to help you build a portfolio designed with your client s income goal in mind. *Buying and selling shares of ETFs will result in brokerage commissions. Graphic for illustrative purposes only. Does not represent an actual iretire portfolio.
15 BlackRock s Target Allocation ETF Model Portfolios Nine all-etf model portfolios directly embedded within the iretire platform Built with low-cost ishares ETFs* Tactical, quarterly rebalancing of model allocations * Buying and selling shares of ETFs will result in brokerage commissions. The ratio in each model portfolio name corresponds to the target percentage of equity and fixed income securities within the portfolio. For example, 40/60 means the portfolio targets exposure to equity securities in an amount equal to 40% of its assets and exposure to fixed-income securities in an amount equal to 60% of its assets. The BlackRock Target Allocation ETF Portfolio options generated by the iretire tool should not be construed as or relied upon as investment advice, research or a recommendation by BlackRock.
16 Mid / Small An Asset Allocation that Seeks to Optimize Outcomes The model portfolios are designed and adjusted to seek a well-balanced investment allocation. ± 5% Fixed Income ± % Government Equity International ± % Corporate ±5 % Emerging markets Example for illustrative purposes only. The BlackRock Target Allocation ETF Portfolio options generate by the iretire tool should not be construed as or relied upon as investment advice, research or a recommendation by BlackRock. ± % 16
17 BlackRock Target Allocation ETF Managed Portfolio Strategies: Holdings as of 3/31/16 Asset Allocation (% Equity / Fixed Income) 10/90 20/80 30/70 40/60 50/50 60/40 70/30 80/20 90/ U.S. EQUITY 8% 16% 24% 29% 35% 42% 48% 55% 61% IVE ishares S&P 500 Value ETF 3% 5% 7% 9% 11% 15% 18% 21% 22% IVW ishares S&P 500 Growth ETF 2% 4% 7% 9% 11% 12% 12% 13% 16% USMV ishares MSCI USA Minimum Volatility ETF 3% 4% 5% 5% 5% 5% 4% 4% 4% IJH ishares Core S&P Mid-Cap ETF - 3% 3% 4% 4% 4% 4% 5% 6% MTUM ishares MSCI USA Momentum Factor ETF - - 2% 2% 4% 4% 6% 6% 6% IJR ishares Trust Core S&P Small-Cap % 4% 6% 7% 1.64 INTERNATIONAL EQUITY 2% 4% 6% 11% 15% 18% 22% 25% 29% HEFA ishares Currency Hedged MSCI EAFE ETF 2% 4% 4% 7% 7% 7% 8% 8% 9% IEFA ishares Core MSCI EAFE ETF - - 2% 2% 5% 7% 9% 12% 14% EEMV ishares MSCI Emerging Markets Minimum Volatility ETF % 3% 4% 5% 5% 6% 4.96 U.S. Fixed Income 82% 73% 63% 53% 44% 34% 27% 18% 10% MBB ishares MBS ETF 17% 14% 11% 7% 4% TIP ishares TIPS Bond ETF 4% 4% 3% 3% 3% 3% 3% 2% - NEAR ishares Short Maturity Bond ETF 10% 7% 7% 6% 6% 7% 7% 7% 3% CLY ishares 10+ Year Credit Bond ETF 6% 4% 3% 3% 3% 3% 2% 2% 2% CSJ ishares 1-3 Year Credit Bond ETF IEF ishares 7-10 Year Treasury Bond ETF 10% 10% 12% 14% 10% 5% 5% 4% 3% CIU ishares Intermediate Credit Bond ETF 25% 25% 22% 20% 16% 13% 7% - - HYG ishares iboxx $ High Yield Corporate Bond ETF 3% 3% 2% LQD ishares iboxx Invst Grade Corporate Bond 7% 6% 3% TLT ishares 20+ Year Treasury Bond ETF % 3% 3% 3% 2% 0.54 INTERNATIONAL FIXED INCOME 8% 7% 7% 7% 6% 6% 3% 2% - EMB ishares J.P. Morgan USD Emerging Markets Bond ETF 8% 7% 7% 7% 6% 6% 3% 2% - Source: BlackRock as of 3/31/16. The above model holdings information is shown as supplemental to the corresponding BlackRock Target Allocation Strategy's composite disclosure slide located in the Appendix. This information should not be relied upon as investment advice, research, or a recommendation by BlackRock regarding (i) the Funds, (ii) the use or suitability of the model portfolios or (iii) any security in particular. Only an investor and their financial advisors know enough about their circumstances to make an investment decision. Holdings are subject to change.
18 Set an Actionable Follow-up $$ Download a Plan for Your Client Arrange a Call Schedule a Meeting For illustrative purposes only.
19 Scale your practice iretire provides intensive support to become more efficient and grow your business. Rich and compelling content Seminars, events, CE, practice management Access to retirement specialists to strengthen your practice and reach new clients
20 Scale your practice Deepen your relationship Put your expertise at the center of a relatable conversation by scheduling regular check-ups all the way through retirement.
21 Scale your practice Help attract new business Assess the investments of prospective clients and provide a platform to create and pursue leads. For illustrative purposes only.
22 Built on Some of the Best of BlackRock The daily data of our advanced CoRI retirement income engine. Professional blending of investments. The analytic power of Aladdin, and BlackRock investment experts watching over the iretire portfolios. All wrapped in an exquisite experience and backed by client support.
23 The BlackRock Advantage BlackRock partners with advisors to build portfolios that help deliver better client outcomes Leader Expert Partner ONE OF THE BROADEST ARRAY OF INVESTMENT SOLUTIONS A DIFFERENT APPROACH TO MANAGING MONEY RELENTLESS CLIENT FOCUS 400+ products across ETFs, funds, alternatives, managed accounts & more Framework for blending active and index strategies Portfolio construction & risk analytics using Aladdin, BlackRock s proprietary risk management engine Aladdin monitors $15 trillion for the world s largest governments and institutions* Trusted to manage more money than any other investment firm in the world Committed to share with you informed views on when and where to invest *Source: BlackRock. As of 12/31/15. Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15. 23
24 iretire puts the power of BlackRock trusted to manage more money than any other investment firm in the world* to work for you. * Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15.
25 iretire on Your Desktop Step 1 (Log on to Envestnet) Introduce Retirement Income goals 3 simple inputs Translate savings to income with CoRI Shortfall identified Step 2 (Motivate) Help close the Gap / Initial Financial Planning Remedy shortfall Start closing the gap Initial Financial Planning Step 3 (Build) Implement a Portfolio Solution Underlying model portfolios Risk Analytics Powered by BlackRock Aladdin Public blk.com content Locked FP content PDFs For illustrative purposes only.
26 Access the iretire Plan Today Or call the iretire Resource Center at BLK-5663 * Source: BlackRock. Based on $4.64 trillion in AUM as of 12/31/15.
27 Important Notes IMPORTANT: The projections or other information generated by the iretire tool (the 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 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 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. Any decision to invest in a fund or implement an asset allocation generated by the tool is solely an advisor's decision in consultation with the client. The 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 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 prospectus page at blackrock.com. Read the prospectus carefully before investing. Investing involves risk, including possible loss of principal.
28 Important Notes Portfolio Construction: The iretire tool (the tool ) generates illustrative asset allocation portfolios based on each user's inputs, taking into account the investor's current age, retirement savings, anticipated retirement age, desired retirement income and risk tolerance. This information is intended to provide potential investment options, but is not comprehensive investment advice. An investor s retirement needs may be influenced by a variety of factors that are not included in this analysis. Investors should consult with their advisors to help evaluate their retirement needs and consider the information. The asset allocation portfolios generated by the tool are constructed using a multi-factor methodology based on the risk and return characteristics of five basic asset class exposures (U.S. equity, non-u.s. equity, U.S. rate (bonds), non-u.s. rate (bonds) and U.S. credit risk). The asset classes were selected to broadly reflect the types of core equity and fixed income exposures that are commonly included within diversified portfolios. Other asset classes not considered by the tool may have characteristics similar or superior to those included in this analysis. Although this analysis does not consider the actual returns of particular funds, BlackRock does consider the risk characteristics of the underlying holdings of specific and ishares exchange-traded funds ( ETFs ) in order to determine representative portfolio exposures to each asset class. The investments that are shown in the tool reflect those ishares ETFs in each asset class that are most closely aligned at that time to the risk and return characteristics of the particular asset class. The universe of investments considered by the tool is limited to ishares ETFs. Other investments not considered may have characteristics similar or superior to those that are identified in the tool. Estimated Annual Retirement Income Range: The estimated annual retirement income range represents a projected range of annual retirement income derived by first growing the investor s current retirement savings and additional annual savings from now until investor s anticipated retirement age by the assumed return of the portfolio shown. The assumed return of the portfolio is calculated using each applicable asset class's assumed return. The low and high balance ranges reflect the assumed volatility (risk) of the components of the portfolio. Please refer to the Long-term Capital Market Assumptions discussion on the next page for the assumed return and assumed risk figures for each asset class. Next, the projected portfolio balance is divided by the CoRI value that corresponds to the current age and anticipated retirement age selected, in order to calculate an average estimated annual retirement income. CoRI values are updated daily, so results are likely to vary with each use and over time. CoRI values are based on BlackRock's CoRI methodology, which is designed to help estimate today's cost of generating each dollar of future annual lifetime income in retirement and takes into account current interest rates, inflation expectations, life expectancy and other factors. Such estimates are not guaranteed. A number of factors may contribute to variations in retirement income. For example, the CoRI methodology does not reflect the fees, expenses and cost that may be associated with an annuity or any other retirement income product that an individual may purchase, nor does it reflect any assumption that such a product will be available for purchase at the time of retirement.
29 Important Notes (continued) Once the investor s average estimated annual retirement income is calculated, the investor s additional anticipated annual retirement income from other sources is then added to the average estimated annual retirement income. Investors should consult with their advisors on whether they included the right amount of retirement income from other sources. These annual retirement income estimates are projections based on the probability or likelihood of generating a particular level of retirement income. These figures include a range of the estimated average annual retirement income, showing a low and high value at a 68% confidence level. This reflects a 68% probability that an investor's estimated annual retirement income will fall within the range shown. Projections are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. No representation is made that an investor will achieve results similar to those shown. Actual retirement income could be higher or lower based upon a number of factors and circumstances not addressed herein. Long-term Capital Market Assumptions (Q1 2016): Long-term capital market assumptions refer to BlackRock's return, risk and correlation expectations for each asset class. (Correlation measures how asset classes move in relation to each other). These assumptions are based on historical asset class returns (as reflected by certain indices), proprietary models, BlackRock's subjective assessment of the current market environment and forecasts as to the likelihood of future events. Asset Class Benchmark Annualized Assumed Return Annualized Assumed Risk U.S. Equities MSCI USA Index 6.3% 15.8% Non-U.S. Equities MSCI World ex USA Index 6.7% 18.1% U.S. Rates Barclays U.S. Treasury Index 2.4% 5.1% Non-U.S. Rates BofA Merrill Lynch Global Government ex US 3.0% 8.1% U.S. Credit Barclays U.S. Credit Index 3.7% 5.9% Assumed return is calculated as the expected amount of return generated by the corresponding level of risk for each asset class, plus a short term U.S. Treasury bill investment return. U.S. and non-u.s. equity return is estimated based on the historic correlation between equity valuations and longterm returns. U.S. credit return is estimated based on the additional yield that has historically been generated over equivalent maturity treasuries provided by corporate bonds, net of potential losses stemming from worsening credit quality. U.S. and non-u.s. rate return is calculated based on the relative yields of long term government bonds in those markets.
30 Important Notes (continued) BlackRock typically reviews the assumptions quarterly. Long-term capital markets assumptions are subject to high levels of uncertainty regarding future economic and market factors that may affect actual future performance. There is no guarantee that the capital market assumptions will be achieved, and actual returns could be significantly higher or lower than those shown. Capital market assumptions should not be relied on as a forecast or prediction of future events, and they should not be construed as guarantees as to returns that may be realized in the future from any investment or asset class described herein. Ultimately, the value of these assumptions is not in their accuracy as estimates of future returns, but in their ability to capture relevant relationships and changes in those relationships as a function of economic and market influences. Because of the inherent limitations associated with the use of illustrative asset allocations based on capital markets assumptions, investors should not rely exclusively on the asset allocations or funds shown in the tool when making an investment decision. The illustrative asset allocations cannot account for the impact that economic, market, and other factors may have on an actual investment. Unlike actual investments, the asset allocations shown in the tool do not reflect actual trading, liquidity constraints, fees, expenses, taxes and other factors that could impact an investor s realized future returns. Past performance is no guarantee of future results. Asset Classes/Risk Premiums: Risk premium is defined as the return above a very low risk investment in short term U.S. Treasury Notes. U.S. Equities are based on the MSCI USA Index, which is designed to measure returns and risk associated with U.S. equity related investments. Non-U.S. Equities are based on the MSCI World ex USA Index, which is designed to measure returns and risk associated with non-u.s. equity related investments. U.S. Rates are based on the Barclays U.S. Treasury Index, which is designed to measure returns and risk associated with U.S. sovereign bond related investments. Non-U.S. Rates are based on the BofA Merrill Lynch Global Government ex US Index, which is designed to measure returns and risk associated with non-u.s. sovereign bond related investments. U.S. Credit is based on the Barclays U.S. Credit Index, which is designed to measure returns and risk associated with U.S. credit related investments. Indexes are unmanaged and one cannot invest directly in an index. Asset allocation and diversification strategies do not guarantee profit and may not protect against loss. The two main risks related to fixed income investing are interest rate risk 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. Non-investment-grade debt securities (high-yield/junk bonds) may be subject to greater market fluctuations, risk of default or loss of income and principal than higher-rated securities. An investment in any fund identified in the tool is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency and their return and yield will fluctuate with market conditions. Inflation protection strategies seek to preserve purchasing power but are not a guarantee against loss of principal. International investing involves risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments. These risks often are heightened for investments in emerging/developing markets or in concentrations of single countries.
31 Important Notes (continued) Data shown is for informational purposes only, is subject to change and does not represent an actual account. The validity of the analysis generated by the tool is in part dependent upon the accuracy of the data entered by the user when using the tool. Actual investment outcomes may vary. The tool is provided on an "as-is" basis. BlackRock expressly disclaims all warranties, express or implied, statutory or otherwise with respect to the tool (and any results obtained from its use) including, without limitation, all warranties or merchantability, fitness for a particular purpose or use, accuracy, completeness, originality and/or noninfringement. In no event shall BlackRock have any liability for any claims, damages, obligations, liabilities or losses relating to the tool or report including, without limitation, any liability for any direct, indirect, special, incidental, punitive and/or consequential damages (including loss of profits or principal). The use of the tool is subject to the terms and conditions set forth on blackrock.com The tool does not reflect any advisory program fees. The funds identified in the tool do not represent the full universe of investments that could compose a portfolio. The investment selections available in the tool are limited to the Target Allocation ETF Portfolios. Other investments not considered may have characteristics similar or superior to those that are included. Diversification and asset allocation may not protect against market risk or loss of principal. The ishares funds identified in the iretire tool are distributed by BlackRock Investments, LLC (together with its affiliates, "BlackRock"). The ishares Funds are not sponsored, endorsed, issued, sold or promoted by Cohen & Steers Capital Management, Inc., European Public Real Estate Association ( EPRA ), FTSE International Limited ( FTSE ), India Index Services & Products Limited, JPMorgan Chase & Co., MSCI Inc., Markit Indices Limited, Morningstar, Inc., The NASDAQ OMX Group, Inc., National Association of Real Estate Investment Trusts ( NAREIT ), New York Stock Exchange, Inc., Russell Investment Group or S&P Dow Jones Indices LLC, nor are they sponsored, endorsed or issued by Barclays Capital Inc. None of these companies make any representation regarding the advisability of investing in the funds. BlackRock is not affiliated with the companies listed above. Neither FTSE nor NAREIT makes any warranty regarding the FTSE NAREIT Real Estate 50 Index, FTSE NAREIT All Residential Capped Index, FTSE NAREIT Industrial/Office Capped Index or FTSE NAREIT All Mortgage Capped Index; all rights vest in NAREIT. Neither FTSE nor NAREIT makes any warranty regarding the FTSE EPRA/NAREIT Developed Real Estate ex-us Index, FTSE EPRA/NAREIT Developed Europe Index or FTSE EPRA/NAREIT Global REIT Index; all rights vest in FTSE, NAREIT and EPRA. FTSE is a trademark of London Stock Exchange Group companies and is used by FTSE under license BlackRock, Inc. All rights reserved. BLACKROCK, iretire, ALADDIN, CoRI and ishares are registered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other marks are the property of their respective owners. USR-9115
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