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Introducing a Whole New Way to Plan for Your Retirement

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Introducing a Whole New Way to Plan for Your Retirement Introducing a whole new way to plan for your retirement FOR INVESTOR USE IN CONSULTATION WITH A UBS FINANCIAL ADVISOR. A whole new way to help you and your UBS Financial Advisor close the gap between where you are today and the income you really want each year in retirement. iRetire® brings together the power of UBS, the world’s largest wealth manager* and BlackRock, trusted to manage more money than any other investment firm in the world.† * Scorpio Partnership Global Private Banking Benchmark 2015, on reporting base currency basis for 2 institutions with AUM > USD 500 billion. † Source: BlackRock. Based on $4.73 trillion in AUM as of 3/31/16. 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 UBS Financial Advisor close the gap by illustrating the potential impact of saving more, working longer, and investing differently. CHOOSE a UBS Managed Portfolio of Funds (MPF) House View Strategy portfolio to help put the iRetire® approach into action. iRetire® can help you and your UBS Financial Advisor select a UBS MPF House View Strategy portfolio based upon your age, objectives, and inputs.* * Only the UBS MPF House View Strategies are identified in the tool, and they do not represent the full universe of investments that could compose a portfolio or help you reach your retirement income goals. 3 “Will I have enough for retirement?” 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. • A mericans today have more years to do the things we love: . ..today, the average 50 year old American will live into their 80s.1 • But we also have more years of retirement to pay for: ...nearly 60% of us fear not having enough money in retirement.2 That’s why it’s time to look at your retirement in a whole new way. 1 Source: U.S. Social Security Administration Life Expectancy Calculator as of 12/2/15. 4 2 Source: Gallup Economy and Personal Finance Report 2014. For illustrative purposes only. 5 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. 6 Here’s the surprising reality. Imagine you had a $500,000 “nest egg” at age 60. You $500K $26K In Total Estimated Per could find yourself living on Savings Year in Retirement an estimated income of just over $26,000 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. Where you stand today Your goal Estimated Annual Retirement Income Income Gap But here’s the good news: now there’s something you can do to start to close that gap. * Hypothetical example based on an individual aged 60 today. Actual investment outcomes may vary. The estimated annual retirement income is based on the CoRI Retirement Index 2020 level as of 3/22/16. 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 age-based indexes designed to help individuals measure retirement readiness and plan for future income goals in the years leading up to and in the early retirement phase. Each CoRI Index provides a daily “level” that can be used to estimate how much annual lifetime retirement income an individual’s current retirement savings could generate, taking into account current interest rates, ination expectations, life expectancy and other factors. Such estimates are not guaranteed. 7 Start closing your gap today in three simple steps. iRetire® is a whole new way to help people aged 50–70 plan for retirement. It’s easy to use...just three simple steps. It ’s easy to understand...clearly illustrating where you are and what you can do to make it better. It’s easy to act on...taking you and your UBS Financial Advisor from problem to plan to a portfolio in minutes, not hours.* STEP ONE See where you stand today. The iRetire® tool translates your current savings into the number that really matters: the income you could have each year in retirement. Your UBS Financial 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 UBS Financial Advisor can demonstrate for you if you have a potential retirement income gap. * The iRetire results should only be one consideration when deciding to invest in 8 the UBS MPF House View Strategies or any other investment solution. For illustrative purposes only. 9 STEP TWO 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 each year in retirement, using the UBS MPF House View Strategies. Whether you have a gap — or just want to see if you can do better — the iRetire® tool can demonstrate to you and your UBS Financial Advisor how 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. 10 For illustrative purposes only. 11 STEP THREE Choose a UBS MPF House View Strategy portfolio to help put your retirement plan into action. Based on the information you provide, results from the iRetire® tool can help you and your UBS Financial Advisor build a professionally managed portfolio for you that is: • B alanced among various kinds of ETF investments to help drive toward your income goals. • F actoring in your age and how you choose to invest. • De signed to help keep you on track: The iRetire® tool will leverage the UBS MPF House View Strategies to keep you on track through a consistent, systematic investment process combined with active portfolio management.* * The iRetire results should only be one consideration when deciding to invest in 12 the UBS MPF House View Strategies or any other investment solution. Your Portfolio Built on the differentiated insights and guidance of UBS CIO Wealth Management Research, combined with UBS Investment Management’s portfolio management capabilities, the UBS MPF House View Strategy is designed to help you better plan for retirement. 2% 53% 45% FIXED INCOME 45% EQUITY 53% CASH 2% For illustrative purposes only. Does not represent an actual account. 13 iRetire® brings together the power of BlackRock, trusted to manage more money than any other investment firm in the world,* and UBS — the world’s largest wealth manager.† * Source: BlackRock. Based on $4.73 trillion in AUM as of 3/31/16. † Scorpio Partnership Global 14 Private Banking Benchmark 2015, on reporting base currency basis for institutions with AUM > USD 500 billion The daily data of BlackRock’s advanced CoRI® retirement income engine. Translating your current savings to potential annual retirement income using methodology relied on by sophisticated pension plans. Differentiated guidance. Your UBS Financial Advisor will work with you to deliver UBS’s intellectual capital through a consistent, systematic investment process combined with active portfolio construction offered through the UBS MPF House View Strategy. Professional blending of investments. The UBS Managed Portfolio of Funds House View Strategy is professionally constructed with a diverse mix of exchange traded funds (ETFs) and is available through your UBS Financial Advisor. All wrapped in an exquisite BlackRock experience. Pulling it all together in a way that’s easy-to-understand, simple, and built around you and your needs. 1515 Speak with your UBS Financial Advisor today. * Source: BlackRock. Based on $4.73 trillion in AUM as of 3/31/16. The iRetire tool is available to nancial professionals only. It is not available to the general public. IMPORTANT: The projections or other information generated by the iRetire tool (the “tool”) regarding the likelihood of various investment outcomes are hypothetical in nature, do not reect 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 tool should not be construed as or relied upon as investment advice, research or a recommendation by BlackRock Investments, LLC or any of its afliates (collectively, “BlackRock”) regarding the use or suitability of any particular allocation, fund or overall investment strategy. The UBS MPF House View Strategies identied in the tool do not represent the full universe of investments that could compose a portfolio. Other investments not considered may have characteristics similar or superior to those that are included. The 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 implement a portfolio generated by the iRetire tool is solely your decision in consultation with your UBS Financial Advisor. The tool and BlackRock’s CoRI methodology do not guarantee future income or protect against loss of principal.
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