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About IndexSelect Income Series

IndexSelect Income is a target date solution offering a professionally managed, diversified, and personalized PATH to retirement.

 

IndexSelect Income Series

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How Target Date Funds Work

Target date funds are professionally managed, diversified investment portfolios.

Each portfolio consists of a mix of investments appropriate to its target date so investing in a single portfolio can provide a robust diversification and asset allocation.

IndexSelect Income is a target date fund solution offering professional management, diversification, and a simple way to invest for retirement.

In addition, several key features distinguish IndexSelect Income from a typical TDF, including flexibility for your own personal risk tolerance, open-architecture manager selection, and low-cost management.

BlackRock-2

Risk-based
Glidepaths

 

Fiduciary to glidepath creation and asset allocation

Largest asset manager in the world with over $11.6 trillion in AUM1

Works with 60% of Fortune 100 firm2

Inventor of the target date fund (1993)3

Multiple glidepaths allow participants to easily choose their own path to retirement based on their personal needs and preferences
flexPATH

Independent Underlying
Fund Selection

 

Fiduciary to underlying investment selection and monitoring

Largest multi-glidepath target date fund manager (90% market share)4

Fastest growing target date fund manager with over $100 billion in AUM4

Robust investment search process

Quantitative research driven by the RPAG Scorecard SystemTM, serving 10M+ plan participants, 120K retirement plans and $1.6T in assets under management5

Qualitative research driven by committee of 6 CFA and 2 CPFA charterholders

TIAA-3

Platform Provider

 

TIAA Secure Income Account (SIA) allocations provide a guaranteed 
stable return pre-retirement with an annuity option at retirement6


Provides opportunity for more income in retirement via the TIAA Loyalty BonusSM 7


One of the largest US insurers8

 

Empower

Exclusive to Empower Retirement Plans

 

Empower Fixed Account is incorporated into the glidepath to serve as the lowest volatility capital preservation option, seeking to improve portfolio stability and risk-adjusted returns

The Fund invests in the Empower Fixed Account, a guaranteed investment contract issued by Empower

Simplified administration with a modern technology platform

Discover Your PATH to Retirement

The Discover Your PATH tool is designed to measure your need to take investment risk, based on your projected savings at retirement. Risk tolerance is a combination of both desire and need to take investment risk. Many investors have an intuitive understanding of their desire to take investment risk, but may need a helping hand to better understand their need to take investment risk. Generally, investors who are on track for retirement can afford to de-risk and invest more conservatively to emphasize stability of their hard earned assets. On the other hand, investors who are behind saving for retirement may need to invest more aggressively to emphasize growth, and/or begin saving more in order to make up for a shortfall of current savings.

Discover Your PATH

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flexPATH_PieCharts

IndexSelect Income Series Glidepaths

The glidepath needs of all plan participants are addressed with the availability of an Income, Income & Growth, and Growth glidepath. 

After selecting the closest year (2025, 2035, 2045,  2055, or 2065) in which you expect to retire, consider both your comfort with risk as well as the amount of risk needed to accomplish your retirement goals when selecting the most appropriate retirement PATH.

Income PATH (Conservative)
Conservative
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Income PATH (Conservative)

Characteristics:

  • Seeks lower risk as compared to Income & Growth and Growth
  • The goal is to reduce volatility and maintain a steadier account balance
  • Annuity option for retirement income can play a large role in distribution phase

Investor Profile:

  • Total savings rate (deferral rate plus employer match) greater than 12 percent 
  • Has a higher account balance
  • Emphasis on stability
Income & Growth PATH (Moderate)
Income & Growth PATH (Moderate)
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Income & Growth PATH (Moderate)

Characteristics:

  • Seeks moderate risk as compared to Income and Growth
  • The goal is to seek an adequate account balance at retirement by taking on some additional risk
  • Annuity option for retirement income to play a partial role during the distribution phase

Investor Profile:

  • Total savings rate (deferral plus employer match) between 6-12 percent
  • Has a moderate account balance
  • Balance of stability and long-term return 
Growth PATH (Aggressive)
Aggressive Path
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Growth PATH (Aggressive)

Characteristics:

  • Seeks higher risk as compared to Income and Income & Growth
  • The goal is to generate greater expected return through more aggressive investing that entails greater risk
  • Distribution phase does not include an annuity option as the emphasis during distribution is growth vs. income 

Investor Profile: 

  • Total savings rate (deferral rate plus employer match) less than 6 percent
  • Has a lower account balance
  • Emphasis on long-term return 

Select Your Target Date Fund to View Asset Allocation

Stocks

This mix of global stocks seeks to provide growth for the flexPATH strategies. This allocation may also include exposure to commodities and real estate investment trusts, which seek to add diversification to the flexPATH strategies.

Bonds

Made up of exposure to U.S. inflation-protected bonds and other fixed income securities, these investments look to provide the strategies with reduced exposure to market risk and volatility

Use the drop down menus below to select the Risk Level and Vintage. Based on your selections, the pie chart will update to display the current Asset Allocation.

Fund Fact Sheets

IndexSelect Conservative Retirement Fund Class I Class R6 Class R Class F
IndexSelect Conservative 2035 Fund Class I Class R6 Class R Class F
IndexSelect Conservative 2045 Fund Class I Class R6 Class R Class F
IndexSelect Conservative 2055 Fund Class I Class R6 Class R Class F
IndexSelect Conservative 2065 Fund Class I   Class R6    
IndexSelect Moderate Retirement Fund Class I Class R6 Class R  
IndexSelect Moderate 2035 Fund Class I Class R6 Class R  
IndexSelect Moderate 2045 Fund Class I Class R6 Class R  
IndexSelect Moderate 2055 Fund Class I Class R6 Class R  
IndexSelect Moderate 2065 Fund  Class I  Class R6    Class F
IndexSelect Aggressive Retirement Fund Class I Class R6 Class R  Class F
IndexSelect Aggressive 2035 Fund Class I Class R6 Class R  
IndexSelect Aggressive 2045 Fund Class I Class R6 Class R  Class F
IndexSelect Aggressive 2055 Fund Class I Class R6 Class R Class F 
IndexSelect Aggressive 2065 Fund Class I  Class R6   Class F 
1. BLK-4Q24 Earnings Release
2. Represents the number of organizations in Fortune's list of largest 100 companies (2022) that have a BlackRock investment product (12/31/22) in their DC plan
3. BlackRock. (n.d.). 30 years of LifePath target date fund history. https://www.blackrock.com/us/individual/insights/retirement/lifepath-target-date-fund-history
4. Source: Sway Research Report, 2025. Target Date Fund (TDF). flexPATH was named the fastest growing amongst providers that had >$1B AUM at the end of year 2021. No compensation was paid by or to the advisor, directly or indirectly in connection with obtaining or using the rating. flexPATH Strategies assets as of 08/11/2025.
5. https://www.rpag.com/
6. Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability.
7. TIAA may share profits with TIAA Secure Income Account owners through higher initial annuity income and through further increases in annuity income benefits during retirement. These additional amounts are not guaranteed beyond the period for which they were declared. Lifetime income payments may include a TIAA Loyalty BonusSM which is discretionary and determined annually.
8. Source: One of the largest U.S. Life Insurer: TIAA is ranked number 2, according to SNL Financial, as of Dec. 31, 2023. Financial Strength: The TIAA General Account, December 31, 2024. Total assets $350.0 billion. Total TIAA assets include, in addition to the General Account, separately managed accounts such as the Real Estate Account and TIAA Stable Value.

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