Solution considers differences in life
expectancy, income, and employment
Most long-term investment products don’t consider three factors
unique to women — life expectancy, income gaps, and employment gaps
— missing important inputs that could impact women’s long-term
investing success. To address this, BlackRock created its first
Model Portfolios for Women, leveraging BlackRock’s proprietary
LifePath® lifecycle investing framework and adjusting standard
investment considerations to include those three additional
inputs:
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the full release here:
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The illustration on the left depicts the
standard inputs to life cycle models. On the right, the inputs that
may have a differentiated impact on a woman’s long-term investing
success. (Graphic: Business Wire)
- Life expectancy: On average, women in the U.S. live more
than five years longer than men.1
- Income gap: On average, women in the U.S. earn
approximately $0.82 to every $1 men make2, with the gap being wider
for Black and Latina women.
- Employment gap: On average, women spend 1.2 years out of
the workforce to care for children or elderly relatives.3
When not factoring these inputs, BlackRock has found that, on
average, women may be under allocated to equities at critical
periods during their long investment horizon.
“This investment strategy is one way in which BlackRock looks to
help women achieve better long-term financial outcomes while we -
as a society - continue to work toward closing the gender pay gap
and finding more equitable solutions for caregiving,” said
Stephanie Epstein, Global Head of Models Infrastructure, who also
co-leads BlackRock’s Women’s Initiative & Allies Network
(WIN).
BlackRock’s Model Portfolios for Women include investment mixes
for women across different life stages and can serve as the core of
a woman’s investment portfolio.
“The financial challenges women face are not new. Now, advisors
have a bespoke, actively managed, and low-cost solution to help
women clients achieve their financial goals,” said Carrie Schroen,
Divisional Director at BlackRock’s U.S. Wealth Advisory group.
“This is especially relevant as women hold an increasingly larger
share of global wealth,” she added.4
“Our LifePath framework provides a flexible avenue for
customization. Incorporating gender-specific demographics into our
lifecycle model resulted in a tailored risk profile to better
support women’s spending throughout retirement,” said Chris Chung,
CFA, Head of Retirement Solutions Portfolio Management and
co-manager of the model portfolios.
BlackRock’s Model Portfolios seek to offer advisors a
consistent, high-quality investment process that combines the
firm’s macro-economic insight, asset class expertise and
proprietary Aladdin® risk management.
The introduction of Model Portfolios for Women builds on
BlackRock’s commitment to advancing gender equity. In May,
BlackRock and UN Women, the United Nations entity dedicated to
gender equality and women’s empowerment, signed a Memorandum of
Understanding agreeing to cooperate in promoting the growth of
gender lens investing.
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 professional know enough about their circumstances to
make an investment decision.
Carefully consider the investment objectives, risk factors,
charges and expenses of funds within the model portfolios before
investing. This and other information can be found in the funds’
prospectuses or, if available, the summary prospectuses which may
be obtained by visiting each fund company’s website or calling
their toll-free number. For BlackRock and iShares Funds, please
visit www.BlackRock.com or www.iShares.com Investing involves risk,
including possible loss of principal. Read the prospectus carefully
before investing. Asset allocation and diversification may not
protect against market risk, loss of principal or volatility of
returns.
The model portfolios are made available to financial
professionals by BlackRock Fund Advisors (“BFA”) or BlackRock
Investment Management, LLC (“BIM”), which are registered investment
advisers, or by BlackRock Investments, LLC (“BRIL”), which is the
distributor of the BlackRock and iShares funds within the model
portfolios. BFA, BIM and BRIL (collectively, “BlackRock”) are
affiliates.
The BlackRock model portfolios are provided for illustrative and
educational purposes only. The BlackRock model portfolios do not
constitute research, are not personalized investment advice or an
investment recommendation from BlackRock to any client of a third
party financial professional, and are intended for use only by a
third party financial professional, with other information, as a
resource to help build a portfolio or as an input in the
development of investment advice for its own clients. Such
financial professionals are responsible for making their own
independent judgment as to how to use the BlackRock model
portfolios. BlackRock does not have investment discretion over, or
place trade orders for, any portfolios or accounts derived from the
BlackRock model portfolios. [CG1] BlackRock is not responsible for
determining the appropriateness or suitability of the BlackRock
model portfolios, or any of the securities included therein, for
any client of a financial professional. Information concerning the
BlackRock model portfolios – including holdings, performance, and
other characteristics – may vary materially from any portfolios or
accounts derived from the BlackRock model portfolios. There is no
guarantee that any investment strategy or model portfolio will be
successful or achieve any particular level of results. The
BlackRock model portfolios themselves are not funds.
The BlackRock model portfolios include investments in shares of
funds. Clients will indirectly bear fund expenses in respect of
portfolio assets allocated to funds, in addition to any fees
payable associated with any applicable advisory or wrap program.
BlackRock intends to allocate all or a significant percentage of
the BlackRock model portfolios to funds for which it and/or its
affiliates serve as investment manager and/or are compensated for
services provided to the funds (“BlackRock Affiliated Funds”).
BlackRock has an incentive to (a) select BlackRock Affiliated Funds
and (b) select BlackRock Affiliated Funds with higher fees over
BlackRock Affiliated Funds with lower fees. The fees that BlackRock
and its affiliates receive from investments in the BlackRock
Affiliated Funds constitute BlackRock’s compensation with respect
to the BlackRock model portfolios. This may result in BlackRock
model portfolios that achieve a level of performance less favorable
to the model portfolios, or reflect higher fees, than otherwise
would be the case if BlackRock did not allocate to BlackRock
Affiliated Funds.
This material does not constitute any specific legal, tax or
accounting advice. Please consult with qualified professionals for
this type of advice.
©2022 BlackRock, Inc. All Rights Reserved. BlackRock,
iShares and Aladdin are registered trademarks of
BlackRock, Inc. or its subsidiaries in the United States and
elsewhere. All other trademarks are those of their respective
owners.
____________________ 1 CDC, 2021 2 US Census Bureau, “Current
Population Survey: PINC-05. Work Experience-People 15 Years Old and
Over, by Total Money Earnings, Age, Race, Hispanic Origin, Sex, and
Disability Status: 2018.” 3 BGC, “Managing the Next Decade of
Women’s Wealth,” 2020 4 BGC, “Managing the Next Decade of Women’s
Wealth,” 2020
View source
version on businesswire.com: https://www.businesswire.com/news/home/20220721005350/en/
Media Barbara Williams 646-231-1626
barbara.williams1@blackrock.com
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