Introducing a whole new way

to invest for your retirement

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A whole new way to help you and your advisor close the gap between where you are today and the income you really want each year in retirement.

Built on BlackRock—trusted to manage more money than any other investment firm in the world.

See where you stand today. iRetire™ translates your current savings into the number that really

matters: the income you’ll have each year in retirement.

exploRe how you can make it better. iRetire helps you and your advisor close the gap by showing you the

impact of saving more, working longer, and investing differently.

BuIld a mix of investments to help get you there. iRetire can help you and your advisor blend a mix of investments

based upon your age, objectives and inputs.

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“Will I have enoughfor retirement?”It’s a brutally simple question ... and one more and more of us are struggling to answer today.

Because preparing for retirement isn’t as simple as it used to be.

1 Source: National Center for Health Statistics 2 US Federal Reserve: 2013 Report on the Economic Well Being of US Households4

• Americans today have more years to do the things we love:

...we’re living 20% longer than previous generations.1

• But we also have more years of retirement to pay for: ...nearly 70% of us may outlive our money in retirement.2

That’s why it’s time to look at your retirement in a whole new way.

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You may have a gap between your savings today and the income you really want each year in retirement.When it comes to knowing if you have enough, the number

that really matters is not the traditional “nest egg.”

It’s the income you’ll have each year in retirement.

And that nest egg you’ve been

building up for decades

may not provide the income you wanted...or planned for.

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A 60-year-old couple with a

$500,000 “nest egg” saved today could find themselves living on an estimated income

of just over $25,000 a year in retirement.

That difference—between the income your savings might

provide and what you really want to have in retirement—

is your income gap.

Here’s the surprising reality

But here’s the good news: now there’s something

you can do to start to close that gap.

Income Gap$25K

Your goal

$75KEstimated Annual Retirement Income

Where you stand today

$500KSAVINGS

$25KpeR YeAR

IN ReTIReMeNT

=

Start closing your gap today in three simple steps.iRetire is a whole new way to invest for your retirement:

It’s easy to use...just three simple steps.

It’s easy to understand...iRetire clearly shows you and your advisor where you are and what you can do to make it better.

It’s easy to act on...iRetire takes you and your advisor from problem to plan to a model portfolio in minutes, not hours.

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See where you really stand today.iRetire translates your current savings into the number that really matters: the income you’ll have each year in retirement.

Your advisor enters:

• Your age

• Your current retirement savings

• And the income goal for retirement you’ve discussed.

using BlackRock’s analytical technology and expertise, your advisor can show you if you have a retirement gap.

S T E P O N E

For illustrative purposes only

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explore how you can make it better.iRetire illustrates ways to close the gap between where you stand today and the income you really want.

Whether you have a gap—or just want to see if you can do better—iRetire can demonstrate to you and your advisor how small changes today...

• Saving more

• Working longer

• Investing differently

... could get you closer to the income you want in the future.

It’s not magic. It’s math.

S T E P T W O

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For illustrative purposes only

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Build a mix of investments to help get you there.Based on the information you provide, iRetire can help you and your advisor blend a mix of investments for you that is:

• Balanced among various kinds of investments to smooth ups and downs and drive toward your income goals.

• Matched to your age and how you choose to invest.

• Designed to help keep you on track: only iRetire will leverage BlackRock’s state-of-the art analytical technology to update its recommended investment mix as market conditions change.

S T E P T H R E E

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For illustrative purposes only. 13

Your iRetire portfolioA mix of investments designed to help you keep closing the gap.

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iRetire puts the power of BlackRock —the investment firm trusted to manage more money than any other in the world —to work for you.

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Retirement answers you’ve been waiting for. Taking the market intelligence of more than 135 investment teams scouring the world for the best investment opportunities...and applying it to help you and your advisor close your gap.

The real-time precision of the advanced CoRI™ retirement income engine.Translating your current savings to potential annual retirement income using methodology relied on by sophisticated pension plans.

The analytic power of Aladdin®, watching over your investments 24/7.The same risk technology relied on by 60 of the world’s largest financial institutions continually stress testing your portfolio against thousands of risk scenarios and updating it appropriately.

expert blending of investments.A diverse mix of BlackRock funds and iShares® eTFs, blended together based on the knowledge and portfolio expertise of more than 1000 professionals around the globe.

All wrapped in an exquisite experience.pulling it all together in a way that’s easy-to-understand, simple, and built around you and your needs.

Start closing your gap now, at iRetire.com

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 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 invest in a fund or implement an asset allocation generated by the iRetire tool is solely that of the user.

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 and BlackRock Mutual Fund prospectus pages. Read the prospectus carefully before investing.

Investing involves risk, including possible loss of principal.

The funds identified in the iRetire tool are distributed by BlackRock Investments, LLC (together with its affiliates, “BlackRock”).

©2015 BlackRock, Inc. All rights reserved. BLACKROCK, CoRI, iRETIRE, ALLADIN 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.

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