let's say you give 100k to blackrock.. what the hell are they gonna do with it.. and how long after would you make a profit and how much could you take out then. I guess.. give it a few years, eh.. and maybe you can get 1000
BlackRock is one of the world's largest asset managers, and they offer a wide range of investment products for individuals, from mutual funds and Exchange Traded Funds (ETFs) to more tailored solutions for high-net-worth clients.
Here's a breakdown of what they might do with $100,000 and what you could expect:
What BlackRock would do with $100,000:
Invest it in a fund: For $100,000, you would likely be investing in one of their various funds, such as:
ETFs (Exchange Traded Funds): These are baskets of securities (stocks, bonds, etc.) that trade on stock exchanges like individual stocks. BlackRock is well-known for its iShares ETFs, which cover a vast array of markets, sectors, and asset classes. They have ETFs with low minimums (even less than $100) and lower management fees.
Mutual Funds: These are professionally managed portfolios of stocks, bonds, or other investments. They often have higher minimum investments (e.g., $1,000 or more) and can have various fee structures, including sales charges (loads) and ongoing management fees.
Multi-Asset Funds: These funds invest across different asset classes (like stocks and bonds) to provide diversification and potentially specific risk/return profiles. An example is their Global Allocation Fund.
Diversify: BlackRock emphasizes diversification. They would likely invest your money across various assets and sectors to help mitigate risk. Their strategies often involve a mix of equities (stocks), fixed income (bonds), and potentially alternative investments.
Manage based on your goals: When you invest with BlackRock, whether directly or through a financial advisor, they would assess your financial goals, risk tolerance, and time horizon to recommend appropriate funds or strategies.
How long until you make a profit and how much could you take out?
This is where it gets tricky, as no one can guarantee profits or specific returns in investing. Here's what influences it:
Market Performance: The biggest factor is how the underlying investments perform. If the stock market has a strong bull run, your investment could grow significantly. If there's a downturn, you could see losses.
Fund Performance: Each fund has its own investment objectives and performance history. Some funds are more aggressive, aiming for higher returns with higher risk, while others are more conservative.
Fees: BlackRock, like any investment firm, charges fees. These can include:
Management Fees: An annual percentage of the assets you have invested.
Sales Charges (Loads): For some mutual funds, you might pay an upfront fee when you buy shares (front-end load) or a fee when you sell them (back-end load/CDSC). ETFs generally don't have sales charges, but you pay trading commissions to your broker.
Other Expenses: Fund operating expenses.
These fees will reduce your overall returns.
Time Horizon: Investing is generally a long-term game. While you might see small fluctuations daily, significant profits usually take years to materialize. A "few years" is a reasonable timeframe to start seeing meaningful growth, but short-term results are unpredictable.
Withdrawals: You can typically take out money from your investment whenever you need it, but there might be fees or tax implications:
Redemption Fees: Some funds might charge a short-term redemption fee if you sell shares too soon after buying them.
Tax Implications: Profits (capital gains) from your investments are subject to taxes, as are dividends or interest payments. The tax implications depend on your individual tax situation and the type of account you hold (e.g., registered vs. non-registered).
Regarding your thought of getting "$1000" after a few years:
If you mean turning $100,000 into $1,000 of profit, that would be an incredibly low return (1% over several years, or much less per year). While it's impossible to predict exact returns, a healthy long-term investment in a diversified portfolio would generally aim for more than that over several years, although there are no guarantees.
For example, the S&P 500 (a broad market index) has historically averaged around 10% per year over the long term, though past performance is not indicative of future results. Even with a conservative investment, a 1% profit on $100,000 over "a few years" would be quite low.
In summary:
If you give $100,000 to BlackRock, they will invest it in a diversified portfolio of funds aligned with your financial goals and risk tolerance. The time it takes to see a profit and the amount of profit you could make are highly dependent on market conditions, the specific funds you choose, and the fees involved. It's crucial to understand that all investments carry risk, and there are no guarantees of returns.
It's highly recommended to consult with a financial advisor who can help you understand your options, assess your risk tolerance, and develop an investment plan tailored to your specific situation. They can also explain the fees and potential returns of various BlackRock products.
has anybody talked about putting money into blackrock and how long it took to get some back
It's common for people to talk about investing with large asset managers like BlackRock, and for good reason: they manage trillions of dollars for individuals and institutions globally. However, when it comes to "how long it took to get some back" or "profit timelines," it's crucial to understand that investing is highly individualized and performance is never guaranteed.
Here's why you won't find a simple answer like "X months to make Y profit" when discussing personal experiences with BlackRock investments:
Variety of Investments: BlackRock offers thousands of different investment products, including:
ETFs (Exchange Traded Funds): These are popular for their diversification and low costs. Their performance depends on the underlying assets (e.g., stocks, bonds, commodities) they track.
Mutual Funds: Actively managed funds with various strategies (growth, value, income, etc.) and risk levels.
Index Funds: Designed to mirror the performance of a specific market index (like the S&P 500).
Target Date Funds: Designed for retirement, these automatically adjust their asset allocation over time.
Alternative Investments: For larger investors, they may offer access to private equity, real estate, and other less liquid assets.
Each of these has a different risk profile and potential for returns, meaning the timeline to profit will vary immensely.
Market Conditions: The broader market environment plays a huge role. If you invested in a stock-heavy fund right before a bull market, you'd likely see profits much sooner and larger than if you invested before a bear market. BlackRock, like any firm, cannot control market fluctuations. They provide insights and strategies to navigate them, but ultimately, market performance dictates a significant portion of your return.
Individual Goals and Risk Tolerance: A conservative investor might be happy with steady, single-digit annual returns over many years, while an aggressive investor might seek higher, but riskier, double-digit returns. The "profit" they expect and the timeline for it will be different.
Time Horizon: As mentioned before, investing is generally a long-term endeavor. While you might see daily or weekly fluctuations, "making a profit" in a meaningful sense usually requires letting your money grow over several years (e.g., 5, 10, or even 20+ years). Short-term investing carries higher risk and less predictable outcomes.
Fees: All investment products have fees (management fees, expense ratios, sometimes trading costs or sales loads). These fees eat into your returns, so two investors with similar gross returns might have different net profits after fees.
What you will find in discussions about BlackRock:
Fund Performance Data: BlackRock, like all fund providers, publishes historical performance data for its funds (e.g., 1-year, 3-year, 5-year, 10-year, and since inception returns). This gives an indication of how the fund has performed in the past, but it's not a predictor of future results.
Discussions of their ETFs (iShares): Many individual investors discuss iShares ETFs on financial forums (like Reddit's r/CanadianInvestor or r/investing) or in financial blogs. These discussions often revolve around specific ETFs, their historical performance, expense ratios, and how they fit into different portfolios. You might see people sharing their experiences, but these are anecdotal and not representative of guaranteed outcomes.
BlackRock's overall AUM growth: BlackRock frequently reports on its "Assets Under Management" (AUM) and net inflows, which reflect how much money clients are entrusting to them. This indicates confidence in their ability to manage investments, but doesn't translate directly to individual profit timelines.
In essence: Nobody can definitively tell you how long it will take you to get a specific amount of profit back from investing with BlackRock. It depends on which fund you choose, when you invest, how the markets perform, and how long you stay invested. For individual investors, the typical advice is to have a long-term outlook (multiple years) and to understand that market fluctuations are normal.
they must be able to do something.. like what kind of numbers are we talking about here.. you're not gonna double your money.. I'll tell ya that. So it'd take like what.. 10 years to double your 100k?
You're hitting on a very important point about investing: it's not about guaranteed doubling of money in a fixed timeframe, and it's certainly not about quick riches. Your intuition that "you're not gonna double your money" in a very short period is generally correct for traditional, diversified investments.
Let's break down the "what kind of numbers are we talking about here" and the 10-year doubling question using real-world historical data and investment principles:
Realistic Returns and Doubling Your Money (The "Rule of 72")
You're right to question rapid doubling. The pace at which your money grows depends entirely on the annual rate of return you achieve. A common rule of thumb in finance is the "Rule of 72". It states that to estimate the number of years it takes for an investment to double, you divide 72 by the annual rate of return.
If you expect a 7% annual return, it would take approximately 10.3 years to double your money ($72 / 7 = 10.28). So, your guess of "10 years to double your 100k" with a 7% return is very close to accurate!
If you expect a 10% annual return, it would take about 7.2 years to double your money ($72 / 10 = 7.2).
What are "Typical" Investment Returns?
This is where the diversity of BlackRock's offerings comes in. BlackRock's performance is the sum of the performance of its thousands of underlying funds.
Broad Market Indexes (like the S&P 500): These are often used as benchmarks for long-term stock market returns. Historically, the S&P 500 (a broad index of 500 large U.S. companies) has averaged roughly 8-10% per year over very long periods (e.g., several decades), before inflation.
For example, over the past 10 years (2014-2024), the S&P 500 has averaged around 11-11.3% annually.
Over the past 20 years (2004-2024), it's been closer to 8.5-8.9% annually.
Over the past 30 years (1994-2024), it's been around 9-9.3% annually.
Inflation-Adjusted Returns (Real Returns): It's important to consider inflation. If the market returns 10% but inflation is 3%, your "real" return (what your purchasing power actually gained) is closer to 7%. Historically, real returns on diversified stock portfolios might be in the 5-7% range.
Bonds: Generally offer lower returns than stocks but also lower volatility. A diversified bond fund might yield 2-5% annually, depending on interest rates and bond types.
Balanced Funds: Many people invest in "balanced" portfolios or funds (like BlackRock's iShares Core Balanced ETF Portfolio - XBAL in Canada) that hold a mix of stocks and bonds. These aim for a more moderate return with less volatility than an all-stock portfolio. Looking at specific BlackRock Canadian ETFs as of May 31, 2025:
XGRO (iShares Core Growth ETF Portfolio): Has an inception date in 2007, and has delivered an average annual return of 5.19% since inception, with 10.84% over the last 5 years and 13.78% over the last 1 year. This ETF is more heavily weighted to equities.
XBAL (iShares Core Balanced ETF Portfolio): Also with a 2007 inception, it has delivered 5.62% since inception, with 8.13% over the last 5 years and 11.87% over the last 1 year. This is a mix of stocks and bonds.
"They must be able to do something..."
BlackRock's primary role is asset management, not guaranteeing returns. What they "do" is:
Offer diversified products: They create and manage a vast array of ETFs and mutual funds that allow investors to easily get exposure to different parts of the market (e.g., U.S. stocks, international bonds, specific sectors, etc.).
Manage risk: Through diversification within funds and by offering funds with different risk profiles (e.g., aggressive growth funds vs. conservative bond funds), they help investors align their investments with their risk tolerance.
Lower costs (especially with ETFs): Many of their iShares ETFs are very low-cost, meaning more of your returns stay in your pocket rather than going to fees. For example, the iShares Core S&P 500 ETF (IVV) has an expense ratio of just 0.03%.
Provide expertise and research: They have teams of analysts and portfolio managers who conduct research and make investment decisions for their actively managed funds.
Provide access: They allow individual investors to easily access broad market exposure or specific investment themes that might otherwise be difficult or expensive to achieve on their own.
In summary:
You're correct that expecting to "double your money" quickly with a traditional, diversified investment like those offered by BlackRock is unrealistic. However, with a long-term perspective, an investment of $100,000 into a well-diversified portfolio that tracks the broader market (like an S&P 500 index ETF or a balanced portfolio) could realistically aim for average annual returns in the range of 6-10% over the long run.
At a 7% average annual return, your $100,000 would indeed take approximately 10 years to double to $200,000. It's a testament to the power of compounding over time, not a reflection of a short-term jackpot.
Let's say I dump 100k into blackrock. lol.
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let's say you give 100k to blackrock.. what the hell are they gonna do with it.. and how long after would you make a profit and how much could you take out then. I guess.. give it a few years, eh.. and maybe you can get 1000
BlackRock is one of the world's largest asset managers, and they offer a wide range of investment products for individuals, from mutual funds and Exchange Traded Funds (ETFs) to more tailored solutions for high-net-worth clients.
Here's a breakdown of what they might do with $100,000 and what you could expect:
What BlackRock would do with $100,000:
Invest it in a fund: For $100,000, you would likely be investing in one of their various funds, such as:
ETFs (Exchange Traded Funds): These are baskets of securities (stocks, bonds, etc.) that trade on stock exchanges like individual stocks. BlackRock is well-known for its iShares ETFs, which cover a vast array of markets, sectors, and asset classes. They have ETFs with low minimums (even less than $100) and lower management fees.
Mutual Funds: These are professionally managed portfolios of stocks, bonds, or other investments. They often have higher minimum investments (e.g., $1,000 or more) and can have various fee structures, including sales charges (loads) and ongoing management fees.
Multi-Asset Funds: These funds invest across different asset classes (like stocks and bonds) to provide diversification and potentially specific risk/return profiles. An example is their Global Allocation Fund.
Diversify: BlackRock emphasizes diversification. They would likely invest your money across various assets and sectors to help mitigate risk. Their strategies often involve a mix of equities (stocks), fixed income (bonds), and potentially alternative investments.
Manage based on your goals: When you invest with BlackRock, whether directly or through a financial advisor, they would assess your financial goals, risk tolerance, and time horizon to recommend appropriate funds or strategies.
How long until you make a profit and how much could you take out?
This is where it gets tricky, as no one can guarantee profits or specific returns in investing. Here's what influences it:
Market Performance: The biggest factor is how the underlying investments perform. If the stock market has a strong bull run, your investment could grow significantly. If there's a downturn, you could see losses.
Fund Performance: Each fund has its own investment objectives and performance history. Some funds are more aggressive, aiming for higher returns with higher risk, while others are more conservative.
Fees: BlackRock, like any investment firm, charges fees. These can include:
Management Fees: An annual percentage of the assets you have invested.
Sales Charges (Loads): For some mutual funds, you might pay an upfront fee when you buy shares (front-end load) or a fee when you sell them (back-end load/CDSC). ETFs generally don't have sales charges, but you pay trading commissions to your broker.
Other Expenses: Fund operating expenses. These fees will reduce your overall returns.
Time Horizon: Investing is generally a long-term game. While you might see small fluctuations daily, significant profits usually take years to materialize. A "few years" is a reasonable timeframe to start seeing meaningful growth, but short-term results are unpredictable.
Withdrawals: You can typically take out money from your investment whenever you need it, but there might be fees or tax implications:
Redemption Fees: Some funds might charge a short-term redemption fee if you sell shares too soon after buying them.
Tax Implications: Profits (capital gains) from your investments are subject to taxes, as are dividends or interest payments. The tax implications depend on your individual tax situation and the type of account you hold (e.g., registered vs. non-registered).
Regarding your thought of getting "$1000" after a few years:
If you mean turning $100,000 into $1,000 of profit, that would be an incredibly low return (1% over several years, or much less per year). While it's impossible to predict exact returns, a healthy long-term investment in a diversified portfolio would generally aim for more than that over several years, although there are no guarantees.
For example, the S&P 500 (a broad market index) has historically averaged around 10% per year over the long term, though past performance is not indicative of future results. Even with a conservative investment, a 1% profit on $100,000 over "a few years" would be quite low.
In summary:
If you give $100,000 to BlackRock, they will invest it in a diversified portfolio of funds aligned with your financial goals and risk tolerance. The time it takes to see a profit and the amount of profit you could make are highly dependent on market conditions, the specific funds you choose, and the fees involved. It's crucial to understand that all investments carry risk, and there are no guarantees of returns.
It's highly recommended to consult with a financial advisor who can help you understand your options, assess your risk tolerance, and develop an investment plan tailored to your specific situation. They can also explain the fees and potential returns of various BlackRock products.
has anybody talked about putting money into blackrock and how long it took to get some back
It's common for people to talk about investing with large asset managers like BlackRock, and for good reason: they manage trillions of dollars for individuals and institutions globally. However, when it comes to "how long it took to get some back" or "profit timelines," it's crucial to understand that investing is highly individualized and performance is never guaranteed.
Here's why you won't find a simple answer like "X months to make Y profit" when discussing personal experiences with BlackRock investments:
Variety of Investments: BlackRock offers thousands of different investment products, including:
ETFs (Exchange Traded Funds): These are popular for their diversification and low costs. Their performance depends on the underlying assets (e.g., stocks, bonds, commodities) they track.
Mutual Funds: Actively managed funds with various strategies (growth, value, income, etc.) and risk levels.
Index Funds: Designed to mirror the performance of a specific market index (like the S&P 500).
Target Date Funds: Designed for retirement, these automatically adjust their asset allocation over time.
Alternative Investments: For larger investors, they may offer access to private equity, real estate, and other less liquid assets.
Each of these has a different risk profile and potential for returns, meaning the timeline to profit will vary immensely.
Market Conditions: The broader market environment plays a huge role. If you invested in a stock-heavy fund right before a bull market, you'd likely see profits much sooner and larger than if you invested before a bear market. BlackRock, like any firm, cannot control market fluctuations. They provide insights and strategies to navigate them, but ultimately, market performance dictates a significant portion of your return.
Individual Goals and Risk Tolerance: A conservative investor might be happy with steady, single-digit annual returns over many years, while an aggressive investor might seek higher, but riskier, double-digit returns. The "profit" they expect and the timeline for it will be different.
Time Horizon: As mentioned before, investing is generally a long-term endeavor. While you might see daily or weekly fluctuations, "making a profit" in a meaningful sense usually requires letting your money grow over several years (e.g., 5, 10, or even 20+ years). Short-term investing carries higher risk and less predictable outcomes.
Fees: All investment products have fees (management fees, expense ratios, sometimes trading costs or sales loads). These fees eat into your returns, so two investors with similar gross returns might have different net profits after fees.
What you will find in discussions about BlackRock:
Fund Performance Data: BlackRock, like all fund providers, publishes historical performance data for its funds (e.g., 1-year, 3-year, 5-year, 10-year, and since inception returns). This gives an indication of how the fund has performed in the past, but it's not a predictor of future results.
Discussions of their ETFs (iShares): Many individual investors discuss iShares ETFs on financial forums (like Reddit's r/CanadianInvestor or r/investing) or in financial blogs. These discussions often revolve around specific ETFs, their historical performance, expense ratios, and how they fit into different portfolios. You might see people sharing their experiences, but these are anecdotal and not representative of guaranteed outcomes.
BlackRock's overall AUM growth: BlackRock frequently reports on its "Assets Under Management" (AUM) and net inflows, which reflect how much money clients are entrusting to them. This indicates confidence in their ability to manage investments, but doesn't translate directly to individual profit timelines.
In essence: Nobody can definitively tell you how long it will take you to get a specific amount of profit back from investing with BlackRock. It depends on which fund you choose, when you invest, how the markets perform, and how long you stay invested. For individual investors, the typical advice is to have a long-term outlook (multiple years) and to understand that market fluctuations are normal.
they must be able to do something.. like what kind of numbers are we talking about here.. you're not gonna double your money.. I'll tell ya that. So it'd take like what.. 10 years to double your 100k?
You're hitting on a very important point about investing: it's not about guaranteed doubling of money in a fixed timeframe, and it's certainly not about quick riches. Your intuition that "you're not gonna double your money" in a very short period is generally correct for traditional, diversified investments.
Let's break down the "what kind of numbers are we talking about here" and the 10-year doubling question using real-world historical data and investment principles:
You're right to question rapid doubling. The pace at which your money grows depends entirely on the annual rate of return you achieve. A common rule of thumb in finance is the "Rule of 72". It states that to estimate the number of years it takes for an investment to double, you divide 72 by the annual rate of return.
If you expect a 7% annual return, it would take approximately 10.3 years to double your money ($72 / 7 = 10.28). So, your guess of "10 years to double your 100k" with a 7% return is very close to accurate!
If you expect a 10% annual return, it would take about 7.2 years to double your money ($72 / 10 = 7.2).
This is where the diversity of BlackRock's offerings comes in. BlackRock's performance is the sum of the performance of its thousands of underlying funds.
Broad Market Indexes (like the S&P 500): These are often used as benchmarks for long-term stock market returns. Historically, the S&P 500 (a broad index of 500 large U.S. companies) has averaged roughly 8-10% per year over very long periods (e.g., several decades), before inflation.
For example, over the past 10 years (2014-2024), the S&P 500 has averaged around 11-11.3% annually.
Over the past 20 years (2004-2024), it's been closer to 8.5-8.9% annually.
Over the past 30 years (1994-2024), it's been around 9-9.3% annually.
Inflation-Adjusted Returns (Real Returns): It's important to consider inflation. If the market returns 10% but inflation is 3%, your "real" return (what your purchasing power actually gained) is closer to 7%. Historically, real returns on diversified stock portfolios might be in the 5-7% range.
Bonds: Generally offer lower returns than stocks but also lower volatility. A diversified bond fund might yield 2-5% annually, depending on interest rates and bond types.
Balanced Funds: Many people invest in "balanced" portfolios or funds (like BlackRock's iShares Core Balanced ETF Portfolio - XBAL in Canada) that hold a mix of stocks and bonds. These aim for a more moderate return with less volatility than an all-stock portfolio. Looking at specific BlackRock Canadian ETFs as of May 31, 2025:
XGRO (iShares Core Growth ETF Portfolio): Has an inception date in 2007, and has delivered an average annual return of 5.19% since inception, with 10.84% over the last 5 years and 13.78% over the last 1 year. This ETF is more heavily weighted to equities.
XBAL (iShares Core Balanced ETF Portfolio): Also with a 2007 inception, it has delivered 5.62% since inception, with 8.13% over the last 5 years and 11.87% over the last 1 year. This is a mix of stocks and bonds.
BlackRock's primary role is asset management, not guaranteeing returns. What they "do" is:
Offer diversified products: They create and manage a vast array of ETFs and mutual funds that allow investors to easily get exposure to different parts of the market (e.g., U.S. stocks, international bonds, specific sectors, etc.).
Manage risk: Through diversification within funds and by offering funds with different risk profiles (e.g., aggressive growth funds vs. conservative bond funds), they help investors align their investments with their risk tolerance.
Lower costs (especially with ETFs): Many of their iShares ETFs are very low-cost, meaning more of your returns stay in your pocket rather than going to fees. For example, the iShares Core S&P 500 ETF (IVV) has an expense ratio of just 0.03%.
Provide expertise and research: They have teams of analysts and portfolio managers who conduct research and make investment decisions for their actively managed funds.
Provide access: They allow individual investors to easily access broad market exposure or specific investment themes that might otherwise be difficult or expensive to achieve on their own.
In summary:
You're correct that expecting to "double your money" quickly with a traditional, diversified investment like those offered by BlackRock is unrealistic. However, with a long-term perspective, an investment of $100,000 into a well-diversified portfolio that tracks the broader market (like an S&P 500 index ETF or a balanced portfolio) could realistically aim for average annual returns in the range of 6-10% over the long run.
At a 7% average annual return, your $100,000 would indeed take approximately 10 years to double to $200,000. It's a testament to the power of compounding over time, not a reflection of a short-term jackpot.
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