LifePath® Spending Tool

methodology for more detail.","I18N_ESTIMATED_SPENDING_TOMORROW_GOAL":"The goal of the LifePath® Spending Tool is to help you understand your spending potential year-over-year in retirement. Markets, remaining life expectancy and savings balances change, so check back annually . Want to learn more? <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrockblog.com/category/retirement/">Click here</a> for insights from BlackRock thought leaders on retirement topics.","I18N_ESTIMATED_INCOME_TODAY_EXPLANATION_TYPE_1":"You may be able to spend {factor}% or {estimatedSpending} of your current retirement portfolio this year ({estimatedSpendingMonthly} per month). This amount supplements the annual {socialSecurityIncome} ({socialSecurityIncomeMonthly} monthly) you are expecting to receive in Social Security Income.","I18N_ESTIMATED_INCOME_TODAY_EXPLANATION_TYPE_2":"You may be able to spend {factor}% or {estimatedSpending} of your current retirement portfolio this year ({estimatedSpendingMonthly} per month). This amount supplements what you are expecting to receive in Social Security Income.","I18N_HOME_HEADER":"A new way to calculate retirement spending potential","I18N_CHART_ESTIMATED_SPENDING":"Estimated Spending","I18N_SOCIAL_SECURITY_INCOME":"Social Security Income (Annual)","I18N_SOCIAL_SECURITY_TOOLTIP":"Social Security Income is the annual benefit amount from the value expect to receive this year from information entered on the Profile page. It is displayed as an annual or monthly equivalent based on your selection. See the tool's <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/investing/compliance/life-path-spending-ma/">methodology for more detail. Please note that the tool has not factored in any taxes that may be due beyond the value that you entered.","ASSUMPTION_AND_METHODOLOGY_URL":"https://www.blackrock.com/us/individual/compliance/life-path-spending-ma","I18N_ESTIMATED_REMAINING_SAVINGS_TOOLTIP":"Estimated Remaining Savings is equal to the Current Savings entered on the Profile page minus the annual Estimated Spending.","I18N_FOOTER_SECTION_10":"The LifePath® products are covered by US patent 8,645,254.","I18N_PORTFOLIO_EQUITY_ALLOCATION":"Portfolio Equity Allocation","I18N_FOOTER_SECTION_11":"©2023 BlackRock, Inc. or its affiliates. All Rights Reserved. BLACKROCK and LIFEPATH are trademarks of BlackRock, Inc. or its affiliates. All other trademarks are those of their respective owners.","I18N_TERMS_AND_CONDITIONS":"Terms and Conditions","I18N_ESTIMATED_SPENDING_TOMORROW_DESCRIPTION":"Estimates of future retirement spending potential and remaining savings balances are based, in part, on market projections. Because markets can be stronger or weaker than expected, these two charts may help provide guidance around possible ranges for the estimates. (Click the information icons in the charts for more about how they are calculated.)","CONFIG_API_KEY":"B8ArIAMYRMOR3UGDAknGjCiRH0of5lyB","I18N_CURRENT_SAVINGS_ERROR":"Must be between $1,000 and $10,000,000.","I18N_SOCIAL_SECURITY_INCOME_ERROR":"Must be between $0 and $100,000.","I18N_PRIVACY_POLICY":"Privacy Policy","I18N_CHART_ESTIMATED_SAVING_1":"Estimated Remaining Savings","I18N_CHART_ESTIMATED_SAVING_2":"Estimated Savings","I18N_TOGGLE_ESTIMATED_SPENDING_2":"Estimated Spending Potential","I18N_TOGGLE_ESTIMATED_SPENDING_1":"Estimated Spending Potential","I18N_NAV_HOME":"Home","I18N_IE_DISCLAIMER":"For the optimal user experience, please use either the Chrome or Safari web browsers","CONFIG_API_URL":"https://api.blackrock.com/retirement-spending-tool/v1/api","I18N_ESTIMATED_SPENDING_TOOLTIP":"Estimated spending is the approximate rate or dollar amount (annual or monthly equivalent as selected) that you may be able to spend in the current calendar year based on the Current Age, Current Savings, and Portfolio Equity Allocation you entered on the Profile page. See the tool's <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/investing/compliance/life-path-spending-ma/">methodology for more detail. Please note that the estimated spending rate does not factor in required minimum distributions, which are set by the <a class=\"external\" href=https://www.blackrock.com/"https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds/">IRS, or any taxes that may incur.","I18N_CHART_SOCIAL_SECURITY":"Social Security Income","I18N_ESTIMATED_INCOME_TODAY_DESCRIPTION":"The estimate can help with planning retirement spending during the current calendar year. The goal of the LifePath® Spending Tool is to help you understand your spending potential year-over-year in retirement. Markets, remaining life expectancy and savings balances change, so check back annually.","I18N_HEADER_TITLE":"LifePath® Spending Tool","I18N_SOCIAL_SECURITY_INCOME_TOOLTIP":"Enter an annual Social Security benefit between $0 and $100,000. If you are already receiving Social Security benefits, please enter the annual amount that you expect to receive this year. If you are not receiving benefits yet, feel free to input an estimate or leave blank. The Consumer Financial Protection Bureau’s <a class=\"external\" href=https://www.blackrock.com/"https://www.consumerfinance.gov/consumer-tools/retirement/before-you-claim//">tool may be able to assist you in determining an appropriate amount.","METHODOLOGY_AND_ASSUMPTIONS_URL":"https://www.blackrock.com/investing/compliance/life-path-spending-ma","I18N_GET_STARTED":"Get Started","I18N_ESTIMATED_SPENDING_TOMORROW_HEADER":"Estimating future retirement spending potential","I18N_EXTERNAL_DIALOG":"You are about to leave a BlackRock site to go to a site owned and operated by a third party. Should you choose to continue, your information will be processed in accordance with that site’s privacy policy and legal notices. By clicking “continue” below, you acknowledge that you understand that BlackRock makes no representations or warranties regarding the soundness of this third party site.","I18N_TOGGLE_ESTIMATED_SAVING_1":"Estimated Remaining Savings","I18N_PROFILE_DESCRIPTION":"This tool uses three inputs to calculate a retirement spending estimate: Current Age, Current Savings, and Portfolio Equity Allocation. The LifePath® Spending Tool will use BlackRock's long-term capital market assumptions, life expectancy and other data to estimate retirement spending potential. Additionally, you may enter in a Social Security estimate in order to get a more holistic view of potential retirement income.","I18N_TOGGLE_ESTIMATED_SAVING_2":"Estimated Savings","I18N_ESTIMATED_SAVINGS_TOOLTIP":"Estimated Savings represents the projected amount of savings an individual may have at each age taking into consideration annual withdrawals based on the Estimated Spending projections and market performance.","I18N_HOME_TERMS_LINK":"By clicking \"Get Started\" I agree to BlackRock’s <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/investing/compliance/life-path-spending-terms/"> Terms and Conditions</a> and <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/corporate/compliance/privacy-policy/">Privacy Policy</a>.","I18N_BUTTON_PREVIOUS":"Previous","I18N_PORTFOLIO_EQUITY_ALLOCATION_ERROR":"Portfolio Equity Allocation","I18N_TOGGLE_ANNUAL":"Annual","I18N_ESTIMATED_INCOME_TODAY_HEADER":"Here’s this year’s retirement spending potential","I18N_CURRENT_SAVINGS":"Current Savings","I18N_BUTTON_CLOSE":"Close","I18N_CURRENT_AGE":"Current Age","I18N_NAV_ESTIMATED_SPENDING_TOMORROW":"Estimated Spending Tomorrow","I18N_FOOTER_SECTION_5":"Investing involves risk, including possible loss of principal.","I18N_FOOTER_SECTION_6":"Data shown is for informational and educational purposes only, is subject to change and does not represent an actual account. It should not be considered individualized investment advice. The validity of the analysis generated by the tool is in part dependent upon the accuracy of the data entered by the user when using the tool. Actual investment outcomes may vary. The results of the tool may vary with each use and over time. A retiree’s retirement needs may be influenced by a variety of factors that are not included in this analysis. Investors should consult with their advisors to help evaluate their retirement needs.","I18N_FOOTER_SECTION_7":"The tool is provided on an \"as-is\" basis. BlackRock expressly disclaims all warranties, express or implied, statutory or otherwise with respect to the tool (and any results obtained from its use) including, without limitation, all warranties or merchantability, fitness for a particular purpose or use, accuracy, completeness, originality and/or non-infringement. In no event shall BlackRock have any liability for any claims, damages, obligations liabilities or losses relating to the tool including, without limitation, any liability for any direct indirect, special, incidental, punitive and/or consequential damages (including loss of profits or principal). The use of the tool is subject to BlackRock’s <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/investing/compliance/life-path-spending-terms/">Terms and Conditions</a> and <a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/corporate/compliance/privacy-policy/">Privacy Policy</a>.","I18N_ERROR_DIALOG_CONTENT":"An unexpected error occurred. Please refresh to try again.","I18N_FOOTER_SECTION_8":" This information is intended for use in the United States. This information is not a solicitation for or offering of any investment product or service to any person in any jurisdiction or country.","I18N_FOOTER_SECTION_9":"Distributed by BlackRock Investments, LLC, member FINRA.","PRIVACY_POLICY_URL":"https://www.blackrock.com/corporate/compliance/privacy-policy","I18N_ESTIMATED_SAVINGS_RANGE_TOOLTIP":"Estimated Savings Range represents the projected amount of savings an individual may have at each age taking into consideration annual withdrawals based on the Estimated Spending projections and market performance. The “low” and “high” estimated savings range reflect the assumed volatility (risk) of the selected portfolio.","I18N_FOOTER_SECTION_1":"<a target=\"_new\" href=https://www.blackrock.com/"https://www.blackrock.com/investing/compliance/life-path-spending-ma/">Click here</a> for the methodology and assumptions used in the LifePath® Spending Tool (the \"tool\").","I18N_FOOTER_SECTION_2":"IMPORTANT: The projections or other information generated by the tool regarding the likelihood of various investment outcomes are in real (today’s) dollars, hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Spending rate estimates are for educational purposes only and should not be considered individualized investment advice.","I18N_FOOTER_SECTION_3":"Any information contained in or generated by the 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 asset allocation or investment strategy.","I18N_FOOTER_SECTION_4":"The tool does not guarantee future income or protect against loss of principal. There can be no assurances that an investment strategy based on the tool will be successful."}">