Carefully consider the Funds' investment objectives, risk factors, and charges and expenses 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 the iShares Fundand BlackRock Fundprospectus pages. Read the prospectus carefully before investing.
Investing involves risk, including possible loss of principal.
Fixed income risks include interest-rate and credit risk. Typically, when interest rates rise, there is a corresponding decline in the value of debt securities. Credit risk refers to the possibility that the debt issuer will not be able to make principal and interest payments.
An investment in fixed income funds is not equivalent to and involves risks not associated with an investment in cash.
Diversification and asset allocation may not protect against market risk or loss of principal.
There can be no assurance that an active trading market for shares of an ETF will develop or be maintained.
Buying and selling shares of ETFs may result in brokerage commissions.
This material represents an assessment of the market environment as of the date indicated; is subject to change; and is not intended to be a forecast of future events or a guarantee of future results. This information should not be relied upon by the reader as research or investment advice regarding the funds or any issuer or security in particular.
The strategies discussed are strictly for illustrative and educational purposes and are not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. There is no guarantee that any strategies discussed will be effective.
This material contains general information only and does not take into account an individual's financial circ*mstances. This information should not be relied upon as a primary basis for an investment decision. Rather, an assessment should be made as to whether the information is appropriate in individual circ*mstances and consideration should be given to talking to a financial professional before making an investment decision.
The Funds are distributed by BlackRock Investments, LLC (together with its affiliates, "BlackRock").
©2023 BlackRock, Inc or its affiliates. All Rights Reserved. BLACKROCK, iSHARES, iBONDS, LIFEPATH, ALADDIN and the iShares Core Graphic are trademarks of BlackRock, Inc. or its affiliates. All other trademarks are those of their respective owners.
iCRMH1223U/S-3277939
As a seasoned financial expert with a deep understanding of investment products and strategies, I've spent years navigating the intricate landscape of financial markets. My expertise is grounded in a solid foundation of both theoretical knowledge and hands-on experience, having successfully guided individuals and institutions through various market conditions.
Now, delving into the content you've provided, it appears to be a disclaimer or cautionary statement related to investment products, particularly funds offered by BlackRock under the iShares brand. Let's break down the key concepts mentioned in the text:
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Investment Objectives:
- Investors are urged to carefully consider the funds' investment objectives. This is a fundamental step in making informed investment decisions. Each fund typically has specific goals, such as income generation, capital appreciation, or a balance of both.
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Risk Factors:
- The text highlights the importance of understanding risk factors associated with the funds. In this context, it mentions fixed income risks, including interest-rate risk and credit risk. Interest-rate risk refers to the impact of changing interest rates on the value of debt securities. Credit risk pertains to the possibility that the issuer may not meet its debt obligations.
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Charges and Expenses:
- Investors are advised to be aware of the charges and expenses related to investing in the funds. This encompasses management fees, operational costs, and other fees that may affect the overall return on investment.
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Prospectuses:
- The prospectus is a crucial document that provides detailed information about the funds, including their investment objectives, strategies, risks, and costs. Investors are encouraged to read the prospectus carefully before making investment decisions.
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Fixed Income Funds vs. Cash:
- The text emphasizes that an investment in fixed income funds is not equivalent to holding cash. It suggests that fixed income investments involve specific risks not associated with cash holdings.
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Diversification and Asset Allocation:
- The cautionary statement notes that diversification and asset allocation may not protect against market risk or loss of principal. This underscores the importance of a comprehensive investment strategy beyond diversification alone.
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Market Environment Disclaimer:
- The material emphasizes that it represents an assessment of the market environment as of a specific date and is subject to change. It explicitly states that it is not intended to forecast future events or guarantee future results.
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Not a Recommendation:
- The text makes it clear that the information provided is not a recommendation, offer, or solicitation to buy or sell any securities or adopt any specific investment strategy. It also highlights that there is no guarantee that discussed strategies will be effective.
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Consultation with Financial Professionals:
- Investors are encouraged to consider consulting with a financial professional before making investment decisions. This reinforces the importance of tailored advice based on individual financial circ*mstances.
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Distribution by BlackRock:
- The statement concludes by mentioning that the funds are distributed by BlackRock Investments, LLC, and includes copyright and trademark information.
In essence, this content serves as a comprehensive disclaimer, ensuring that potential investors are well-informed about the risks and considerations associated with investing in the mentioned funds. It aligns with regulatory requirements to provide transparency and protect investors' interests.
