Introducing a whole new way

to invest for your retirement

FOR INVESTOR USE IN CONSULTATION WITH AN ADVISOR.

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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.*

* Source: BlackRock. Based on $4.5 trillion in AUM as of 9/30/15.

SEE where you stand today. iRetire™ translates your current retirement savings into the number

that really matters: the income you could 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 portfolio to help put your iRetire™ plan into action. iRetire™ can help you and your advisor build a portfolio based upon

your age, objectives and inputs.

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It’s a brutally simple question ... and one more and more of us are struggling to answer today.

Because preparing for retirement between ages 50 and 70 isn’t as simple as it used to be.

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• 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.

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

“Will I have enoughfor retirement?

5For illustrative purposes only.

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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 may not be 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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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 GapEstimated Annual Retirement Income

Where you stand today Your goal

* The estimated annual retirement income is based on the CoRI Retirement Index 2019 level as of 6/9/15. 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 real-time, age-based indexes designed to help Americans measure retirement readiness and plan for future income goals. Each CoRI Index provides a daily “level” that can be used to estimate, as early as 10 years before retirement, how much annual lifetime retirement income your current retirement savings could generate. For more information, go to http://www.blackrock.com/cori/what-is-cori.

Imagine you had a $500,000 “nest egg” at age 60. You could find yourself living on an estimated income of just over $27,000 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.

$500KIn Total Savings

$27K Estimated Per

Year in Retirement

Start closing your gap today in three simple steps.iRetire™ is a whole new way to help people aged 50–70 invest for retirement.

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

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

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

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See where you stand today.Your iRetire™ plan translates your current savings into the number that really matters: the income you could 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 income gap.

S T E P O N E

9For illustrative purposes only.

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 — your iRetire™ plan 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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11For illustrative purposes only.

Build a portfolio to help put your iRetire™ plan into action.Based on the information you provide, your iRetire™ plan can help you and your advisor build a portfolio for you that is:

• Balanced among various kinds of investments to help drive toward your income goals.

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

• Designed to help keep you on track: The iRetire™ plan will leverage BlackRock’s state-of-the art analytical technology to update portfolio allocations through a disciplined rebalancing approach.

S T E P T H R E E

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13For illustrative purposes only. Does not represent an actual account.

Your iRetire™ PortfolioAn investment selection designed to help put your plan into action.

62%

4%4%

10%

20%

INCOME 62%

MANAGED GROWTH 20%

CAPITAL PRESERVATION 10%

INFLATION PROTECTION 4%

GROWTH 4%

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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 $4.5 trillion in AUM as of 9/30/15.

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The daily data of our 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®, 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.

Professional blending of investments.A diverse mix of BlackRock mutual funds and/or iShares® ETFs, blended together based on the knowledge and portfolio expertise of more than 1,000 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.

Information is as of 12/31/14.

* Source: BlackRock. Based on $4.5 trillion in AUM as of 9/30/15.

IMPORTANT: The projections or other information generated by the iRetire tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not re�ect 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 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 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 or blackrock.com. Read the prospectus carefully before investing.

Investing involves risk, including possible loss of principal.

The funds identi�ed in the iRetire tool are distributed by BlackRock Investments, LLC (together with its af�liates, “BlackRock”).

©2015 BlackRock, Inc. All rights reserved. BLACKROCK, CoRI, iRETIRE, BUILD ON BLACKROCK, 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 INVESTOR USE IN CONSULTATION WITH AN ADVISOR.

Lit. No. IRETIRE-LNINT-1015 3588BQ-OE-1015 / USR-7577