Defined Contribution Plans
Available Strategies
- LifePath® Portfolios
A set of diversified, professionally managed portfolios appropriate for participants' specific target retirement time frames. - SponsorMatch
Strategies that combine an investment portfolio with deferred income annuities designed to provide lifetime income throughout retirement. - Core Funds
A range of building-block solutions of collective trust funds that allow participants to construct their own portfolio.
Providing defined contribution solutions to retirement plan sponsors through innovative investment products, seamless implementation and powerful participant communications.
Plan participants/employees: this site has information for plan sponsors. Please contact your company HR department or benefits administrator for information about your company's retirement plan or specific investment options.
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BlackRock Institutional Trust Company, N.A., a national banking association operating as a limited purpose trust company, manages certain investment strategies and other fiduciary services referred to in this website and provides fiduciary and trust services to various institutional investors. For ease of reference "BlackRock" may be used to refer to BlackRock Institutional Trust Company, N.A. and its asset management affiliates.
Strategies may include collective investment funds maintained by BlackRock Institutional Trust Company, N.A. Collective investment funds are available only to certain qualified employee benefit plans and governmental plans and are not offered to the general public. Accordingly, prospectuses are not required and prices are not available in local publications. Structural and regulatory differences between collective funds and mutual funds may affect their respective fees and performance. To obtain pricing information, please contact a defined contribution strategist.
Strategies maintained by BlackRock Institutional Trust Company, N.A., and investments in BlackRock strategies, are not are not insured by the federal deposit insurance corporation and are not guaranteed by BlackRock or its affiliates.
This website is not an offer to sell, nor an invitation to apply for any particular product or service.
No part of this website may be reproduced in any manner without BlackRock's prior consent, and this website is intended for use by plan sponsors, their recordkeepers and other administrators and is not intended for use with plan participants. Additional information is available on request.
Investing involves risk, including possible loss of principal. Asset allocation, risk controls and diversification do not promise any level of performance or guarantee against loss of principal. Past performance does not guarantee future results.
LifePath Portfolio Mutual Funds
The LifePath strategies were first developed in 1993.
To determine if the LifePath® Portfolio mutual funds are an appropriate investment for you, carefully consider the funds' investment objectives, risk factors and charges and expenses before investing. This and other information can be found in the funds' prospectuses, which may be obtained by calling 1-800-882-0052. Read the prospectus carefully before investing.
Each LifePath Portfolio mutual fund invests all of its assets in a separate mutual fund, called a LifePath Master portfolio, that has a substantially identical investment objective as the LifePath Portfolio. Each master portfolio, in turn, invests in a combination of equity funds, fixed income funds, and money market funds ("Underlying Funds") in proportions based on its own comprehensive investment strategy. BlackRock Fund Advisors is the investment adviser to the Master Portfolios and each of the Underlying Funds.
The LifePath Portfolio mutual funds are distributed by BlackRock Investments, LLC, member FINRA. BlackRock Fund Advisors (BFA) serves as investment adviser to LifePath Portfolio mutual funds, and the Master Portfolios, in which each LifePath Portfolio invests all of its assets and to the Underlying Funds in which the Master Portfolios Invest. BFA is a subsidiary of BlackRock Institutional Trust Company, N.A.
Each LifePath Portfolio has a different level of risk.
An investment in the LifePath Portfolios is subject to stock market risk, which means the price of the stocks in which the Underlying Funds invest may fluctuate or fall in response to economic events or trends. The prices of bonds in which the Underlying Funds invest may fall because of a rise in interest rates. Investments in foreign securities by the Underlying Funds are subject to certain special risks and considerations, including potentially less liquidity and greater price volatility than securities traded in the U.S. markets.
The allocation of each LifePath Portfolio's assets is managed using a quantitative model that has been developed based on a number of factors. There is no assurance that the recommended asset allocation will either maximize returns or minimize risk or be the appropriate allocation in all circumstances for every investor with a particular time horizon.
The LifePath Portfolios must maintain cash balances to meet redemption requests, which may lower overall portfolio performance.
The LifePath products are covered by U.S. patents 5,812,987 and 6,336,102.
SponsorMatchTM
SponsorMatch is not itself an insurance product. BlackRock is not issuing or selling insurance or promising any financial guarantee or periodic payment. Annuities in which SponsorMatch invests are provided by one or more insurance companies. Plan design changes may be required to take advantage of post-retirement income via annuities.
All statements herein are qualified by, and any offer is made solely pursuant to, a final offering document and investment management agreement. No offer to purchase units in any fund may be accepted prior to receipt by the offeree of these documents and the completion of all appropriate documentation.
The SponsorMatch funds are bank collective investment funds.
SponsorMatch is a trademark of BlackRock Institutional Trust Company, N.A.
Core Funds
An investment in the BlackRock core funds is subject to various risks. For core funds that invest in equities, a major risk is stock market risk, which means the price of the stocks in which the underlying funds invest may fluctuate or fall in response to economic events or trends. The prices of bonds in which the core funds may invest may fall because of a rise in interest rates. Investments in foreign securities by the core funds are subject to certain special risks and considerations, including potentially less liquidity and greater price volatility than securities traded in the U.S. markets. Investments in emerging markets may involve heightened risks related to the same factors described above, as well as lower trading volume and other risks. Investments in smaller companies and narrowly focused investments typically exhibit higher volatility.
There is no assurance that BlackRock's index and active strategies will either maximize returns or minimize risk. The funds must maintain cash balances to meet redemption requests, which may lower overall fund performance.
The funds referred to in this publication are privately offered collective funds: prospectuses are not required and prices are not available in local publications. To obtain pricing information, please contact your local service representative.
BlackRock Institutional Trust Company, N.A., a national banking association operating as a limited purpose trust company, manages the collective investment products and services referred to in this publication and provides fiduciary and trust services to various institutional investors. Funds maintained by BlackRock Institutional Trust Company, N.A. are not insured by the Federal Deposit Insurance Corporation and are not guaranteed by BlackRock or its affiliates.
The collective investment funds maintained by BlackRock Institutional Trust Company, N.A. are available only to certain qualified employee benefit plans and governmental plans and not offered to the general public.
©2010 BlackRock Institutional Trust Company, N.A.