BLACKROCK RETIREMENT SAVINGS PLAN Investment Options
Available Funds in BLACKROCK RETIREMENT SAVINGS PLAN
Below is the lineup of investment options available to participants in BLACKROCK RETIREMENT SAVINGS PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
Total Available Funds: 85
| Investment Option List |
|---|
| BlackRock, Inc. common stock Common stock $ – (FMIMX) |
| The PNC Financial Services Group, Inc. common stock Common stock |
| BlackRock Emerging Markets Index F Collective trust (MADCX) |
| BlackRock Active Stock Fund Collective trust |
| BlackRock Russell 1000 Fund Collective trust (CIRPX) |
| BlackRock US Debt Index Fund Collective trust (XDSUX) |
| BlackRock US TIPS Fund Collective trust |
| BlackRock LifePath Paycheck 40/60 Collective trust |
| BlackRock LifePath Paycheck 50/50 Collective trust |
| BlackRock LifePath Paycheck 2018 Collective trust |
| BlackRock LifePath Paycheck 2021 Collective trust |
| BlackRock LifePath Paycheck 2024 Collective trust |
| BlackRock LifePath Paycheck 2027 Collective trust |
| BlackRock LifePath Paycheck 2030 Collective trust (STLDX) |
| BlackRock LifePath Paycheck 2033 Collective trust |
| BlackRock LifePath Paycheck 2035 Collective trust (LPJCX) |
| BlackRock LifePath Paycheck 2040 Collective trust (STLEX) |
| BlackRock LifePath Paycheck 2045 Collective trust (LPHRX) |
| BlackRock LifePath Paycheck 2050 Collective trust (LPRFX) |
| BlackRock LifePath Paycheck 2055 Collective trust (LEVAX) |
| BlackRock LifePath Paycheck 2060 Collective trust (BAPAX) |
| BlackRock LifePath Paycheck 2065 Collective trust (LIWAX) |
| BlackRock MSCI ACWI EX US CL F Collective trust |
| BlackRock Equity Dividend Collective trust (MADVX) |
| Blackrock Global Allocation CT Fund Collective trust (MGJAX) |
| Blackrock Short-Term Investment Fund Collective trust (VFSTX) |
| BlackRock Russell 2000 Alpha F Collective trust |
| BlackRock Strategic Income Opportunities Fund Collective trust (BSIKX) |
| Novo Nordisk A/S Common stock 32,918 shares |
| Adidas AG Common stock 6,913 shares (FMIMX) |
| Industria de Diseño Textil SA Common stock 18,820 shares |
| Spotify Technology SA Common stock 2,482 shares |
| AstraZeneca PLC Common stock 24,348 shares (FMIMX) |
| Adobe Inc Common stock 4,113 shares (FMIMX) |
| Advanced Micro Devices Inc Common stock 23,994 shares |
| Airbnb Inc Class A Common stock 15,814 shares (FMIMX) |
| Alphabet Inc Class C Common stock 28,597 shares (FMIMX) |
| Alphabet Inc Class A Common stock 28,829 shares (FMIMX) |
| Amazon.com Inc Common stock 92,394 shares (FMIMX) |
| Analog Devices Inc Common stock 5,263 shares (FMIMX) |
| Apple Inc Common stock 62,240 shares (FMIMX) |
| Applovin Corp Class A Common stock 2,126 shares (FMIMX) |
| Boeing Co Common stock 20,690 shares (FMIMX) |
| Broadcom Inc Common stock 53,895 shares (FMIMX) |
| Cadence Design Systems Inc Common stock 11,196 shares |
| Costco Wholesale Corp Common stock 4,946 shares (FMIMX) |
| Crowdstrike Holdings Inc Class A Common stock 8,684 shares (FMIMX) |
| Datadog Inc Class A Common stock 12,164 shares (FMIMX) |
| DexCom Inc Common stock 17,102 shares (FMIMX) |
| Eaton Corporation PLC Common stock 6,283 shares (FMIMX) |
| Edwards Lifesciences Corp Common stock 15,633 shares (FMIMX) |
| Eli Lilly And Co Common stock 7,433 shares (FMIMX) |
| Flutter Entertainment PLC Common stock 2,562 shares |
| GE Aerospace Common stock 14,572 shares (FMIMX) |
| Goldman Sachs Group Inc Common stock 1,855 shares (FMIMX) |
| Hilton Worldwide Holdings Inc Common stock 6,888 shares |
| Home Depot Inc Common stock 2,923 shares (FMIMX) |
| Intuitive Surgical Inc Common stock 4,769 shares (FMIMX) |
| Marriott International Inc Class A Common stock 4,759 shares (FMIMX) |
| Mastercard Inc Class A Common stock 11,182 shares (FMIMX) |
| MercadoLibre Inc Common stock 1,094 shares (FMIMX) |
| Meta Platforms Inc Class A Common stock 21,592 shares (FMIMX) |
| Microsoft Corp Common stock 35,657 shares (FMIMX) |
| Moody's Corp Common stock 4,443 shares (FMIMX) |
| Netflix Inc Common stock 10,260 shares (FMIMX) |
| NVIDIA Corp Common stock 160,010 shares (FMIMX) |
| O'Reilly Automotive Inc Common stock 1,898 shares |
| Palo Alto Networks Inc Common stock 7,964 shares |
| Progressive Corp Common stock 7,890 shares (FMIMX) |
| Salesforce Inc Common stock 8,653 shares (FMIMX) |
| ServiceNow Inc Common stock 2,875 shares (FMIMX) |
| Snowflake Inc Class A Common stock 11,477 shares (FMIMX) |
| Tesla Inc Common stock 17,645 shares (FMIMX) |
| Trade Desk Inc Class A Common stock 20,875 shares (FMIMX) |
| TJX Companies Inc Common stock 14,569 shares (FMIMX) |
| Uber Technologies Inc Common stock 42,719 shares (FMIMX) |
| Vertex Pharmaceuticals Inc Common stock 7,683 shares (FMIMX) |
| Vertiv Holdings Co Common stock 12,908 shares (FMIMX) |
| Visa Inc Class A Common stock 15,252 shares (FMIMX) |
| Walmart Inc Common stock 34,009 shares (FMIMX) |
| Walt Disney Co Common stock 35,649 shares (FMIMX) |
| Nt Collective Short Term Invt Fd Collective trust 2,179,239 shares |
| American Euro Pacific Registered investment company |
| Mirova global sustainable equity fund Y Registered investment company (ESGCX) |
| Notes receivable from participants 8.50%) |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in BLACKROCK RETIREMENT SAVINGS PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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