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We asked nearly 4,000 people to tell us how they’re feeling about retirement, looking at the findings by generation, gender and individual circumstances. While everyone’s path to retirement is personal, we learned, the challenges are shared.
Our most recent Read on Retirement® survey told us workplace savers – and retirees – see value in lifetime income. We wanted to know more about what, exactly, that value was. So, we reached out to the voice of experience: annuity owners. Five key values emerged.
How much of your nest egg can you spend in retirement - and not run out? We’ve launched a solution that combines the simplicity of a target date strategy with the increased certainty of an annuity to offer eligible participants a paycheck for life.
Explore insights, analysis and education on the retirement challenges that matter most to you, from tips from BlackRock thought leaders on how to feel more on track to simple how-to tutorials aimed to improve your financial well-being.
"How much can I spend each year without running out of money?” It’s a number most workers want to know. That number will be different for everyone. But the LifePath® Spending Tool can show you spending potential year-over-year that accounts for market returns, longevity, and more.
Use the LifePath® Selector Tool to help you find the LifePath portfolio that corresponds with your expected retirement date. You can also see how its allocation of stocks and bonds is expected to change over time.
Arley Reyes, Senior Retirement Strategist, BlackRock
Retirement is not a fixed point in time like a birthday or graduation. It’s a stretch of time from ages 55 to 70 that requires careful planning – because you’re not exactly sure when it’s going to happen. We call it the “retirement window”. And we’ve identified four key risks to focus on to help manage uncertainties in retirement
Navigating the Retirement Window
First, employment. Most of us probably hope to retire on our own terms. But in reality, for many, retirement is something that happens to them, not for them. About 40% of workers leave their jobs earlier than they expect, which can have a significant impact on their lifetime earnings and savings. Source: Employee Benefit Research Institute, 2024 Retirement Confidence Survey
Second, longevity. None of us know how long we’re going to live – and that means there’s risk of outliving your savings.
Third – Health. Aside from personal health expenses, which can double from 65 to 85, retirees may also find themselves caring for aging parents, ailing spouses or even grandchildren. Source: RBC Wealth Management & Bureau of Labor Statistics. (n.d.). The real cost of health care in retirement - RBC Wealth Management These added responsibilities can intensify emotional and financial pressures at a time when resources might already be stretched thin.
Fourth: financial preparedness. From deciding when to take social security to diversifying your sources of income in retirement, there are a lot of small and large decisions that can have a ripple effect through your retirement.
The bottom line is: while there are a million paths to retirement, most people prefer the path with most certainty. The good news is, a little proper planning around these four risks can help you navigate the retirement window with more confidence.
This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of March 2025 and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks.
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Retirement isn’t a certain age; it’s a window of time – and an uncertain one at that. BlackRock Retirement Strategist Arley Reyes looks at four areas retirement savers can focus on to help manage uncertainties in retirement.
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Investing involves risk, including possible loss of principal.
This material is provided for educational purposes only and is not intended to constitute investment advice or an investment recommendation within the meaning of federal, state or local law. You are solely responsible for evaluating and acting upon the education and information contained in this material. BlackRock will not be liable for direct or incidental loss resulting from applying any of the information obtained from these materials or from any other source mentioned. BlackRock does not render any legal, tax or accounting advice and the education and information contained in this material should not be construed as such. Please consult with a qualified professional for these types of advice.
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