university worker cover letter

University cover letter examples

If you’re applying for jobs at a university, you need a cover letter that will make you stand out amongst all the other qualified candidates.

It’s key that you present yourself in a manner that will persuade the recruitment team to shortlist you for interview, and to help you impress, we’ve put together this detailed guide on how to write a standout cover letter.

We’ll share all our expert advice, along with some university cover letter examples to inspire you.

CV templates 

University cover letter example 1

University cover letter example 2

University cover letter example 3

These University cover letter examples provide you with some guidance and inspiration for writing a cover letter that gets noticed and ensures your CV will get opened.

But if you really want to master the art of writing a winning cover letter , then follow our step-by-step cove letter writing guide below.

How to write a University cover letter

A simple step-by-step guide to writing your very own winning cover letter.

Write your cover letter in the body of an email/message

Type the content of your cover letter directly into the email you are sending, or if you are applying via a job board, directly into their messaging system.

The reason for doing this it to ensure that your cover letter gets seen instantly and you can start connecting with the recruiter as soon as they open your message.

If you attach your cover letter as a separate document, the recipient will have to open up the document, which will slow the process down, or make them less likely to even open your cover letter – which could mean your application gets skipped over.

Start with a friendly greeting

To start building rapport with the recruiter or hiring manager right away, lead with a friendly greeting.

Try to strike a balance between professional and personable.

Go with something like…

• Hi [insert recruiter name]
• Hi [insert department/team name]

Stay away from old-fashioned greetings like “Dear sir/madam ” unless applying to very formal companies – they can come across as cold and robotic.

How to find the contact’s name?

Addressing the recruitment contact by name is an excellent way to start building a strong relationship. If it is not listed in the job advert, try to uncover it via these methods.

• Check out the company website and look at their  About page. If you see a hiring manager, HR person or internal recruiter, use their name. You could also try to figure out who would be your manager in the role and use their name.
• Head to LinkedIn , search for the company and scan through the list of employees. Most professionals are on LinkedIn these days, so this is a good bet.

Identify the role you are applying for

Once you’ve opened up the cover letter with a warm greeting to start building a relationship, it is time to identify which role you want to apply for.

Recruiters are often managing multiple vacancies, so you need to ensure you apply to the correct one.

Be very specific and use a reference number if you can find one.

• I am interested in applying for the position of *University position* with your company.
• I would like to apply for the role of Sales assistant (Ref: 406f57393)
• I would like to express my interest in the customer service vacancy within your retail department
• I saw your advert for a junior project manager on Reed and would like to apply for the role.

See also: CV examples – how to write a CV – CV profiles

Highlight your suitability

The sole objective of your cover letter is to motivate recruiters into to opening your CV. And you achieve this by quickly explaining your suitability to the roles you are applying for.

Take a look at the job descriptions you are applying to, and make note of the most important skills and qualifications being asked for.

Then, when crafting your cover letter, make your suitability the central focus.

Explain why you are the best qualified candidate, and why you are so well suited to carry out the job.

This will give recruiters all the encouragement they need to open your CV and consider you for the job.

Keep it short and sharp

It is best to keep your cover letter brief if you want to ensure you hold the attention of busy recruiters and hiring managers. A lengthy cover letter will probably not get read in full, so keep yours to around 3-6 sentences and save the real detail for your CV.

Remember the purpose of your cover letter is to quickly get recruiters to notice you and encourage them to open your CV, so it only needs to include the highlights of your experience.

Sign off professionally

To finish off your cover note, add a professional signature to the bottom, stating your important contact details and information.

This not only provides recruiters with multiple means of contacting you, but it also adds a nice professional appearance to the cover letter, which shows that you know how to conduct yourself in the workplace.

Include the following points;

• A friendly sign off – e.g. “Warm regards”
• Your full name
• Phone number (one you can answer quickly)
• Email address
• Profession title
• Professional social network – e.g. LinkedIn

Here is an example signature;

Warm regards,

Aaron Smith Customer service professional 075557437373 [email protected] LinkedIn

Quick tip : To save yourself from having to write your signature every time you send a job application, you can save it within your email drafts, or on a separate document that you could copy in.

What to include in your University cover letter

Your University cover letter will be unique to your situation, but there are certain content guidelines you should stick to for best results.

To attract and entice recruiters, stick with the following key subjects in your cover letter – adapting them to fit your profession and target jobs.

• Your professional experience – Employers will be keen to know if your experience is suitable for the job you are applying to, so provide a good summary of it in your cover letter.
• Your qualifications and education – Highlight your most relevant and high-level of qualification, especially if they are essential to the job.
• The positive impact you have made – Employers love to hear about the benefits you can bring to them, so shout about anything impressive you have done, such as saving money or improving processes.
• Your reasons for leaving – Use a few words of your cover letter to explain why you are leaving your current job and ensure you avoid any negative reasons.
• Your availability – Let recruiters know when you can start a new job . Are you immediately available, or do you have a month notice period?

University cover letter templates

Copy and paste these University cover letter templates to get a head start on your own.

I am excited to apply for the Lecturer position in the Politics Department at Sheffield University, bringing with me a wealth of experience and a passion for International Relations, Political Philosophy, and Critical Theory. With an MA and PhD from the University of Leeds and 6+ years of teaching experience, I possess the skills to design engaging lectures, mentor students, and conduct impactful research.

In my current role as Assistant Lecturer at the University of Edinburgh, I have designed a popular course on the politics of identity and social movements, demonstrating my ability to innovate new and well-received modules. My research on the intersections of power, identity, and social movements was presented at the International Political Science Association Conference and published in the Journal of Politics. During my tenure as a Teaching Assistant, I introduced a seminar series on essay structure and technique, which received positive feedback and contributed to a significant 12% increase in exam scores. My dedication to fostering inclusive classrooms and research, as evidenced in my publications on intersectionality and politics of representation, aligns with the values of your department.

I am available for an interview at your earliest convenience to discuss how my qualifications and commitment to diversity and equity align with your department’s vision.

Best wishes,

I hope you’re well. With a varied 30-year academic career and specialist experience in 18th-century literature, literary theory, and critical race studies, I am thrilled to apply for the position of Professor of English Literature at UCL.

Through my PhD research and 12+ years of teaching experience at The University of Manchester, I have honed my ability to design and deliver engaging lectures and seminars while effectively mentoring students. My original research on race and gender in 18th-century literature has garnered recognition from Lit Today and LHB Journal, including a successful research project on the reception of African American literature in the UK. My monograph on the same subject received acclaim in Women’s Writing Journal. In my previous role as Senior Lecturer, I designed a highly requested course on the history of the novel which attracted 65% of students in its first year, showcasing my innovative approach to course development. Additionally, in 2021 I organised an international conference on race and literature that attracted scholars from 38 countries and engaged 800 undergraduate students.

I am available for an interview at your earliest convenience to discuss how my qualifications and dedication can contribute to the progressive academic excellence at UCL.

Kind regards,

Simone Rickard

Dear Martin,

I hope this email finds you well. With a 25+ year career at UCL, including a PhD in the history of women’s rights and the feminist movement, I am excited to apply for the esteemed position of Program Director, bringing with me a wealth of experience and dedication to advancing the field of Women’s History.

As the current Program Director of Women’s History at UCL, I successfully spearheaded the development of a new undergraduate program in Women’s History Studies, becoming the most popular history class in recent cohorts. I have also cultivated partnerships with external organisations, such as the British Library and the Tate, to create interpretive exhibits showcasing influential women throughout history. My dedication to fostering an inclusive learning environment is evident in my implementation of a 1-2-1 mentorship program for women interested in pursuing careers in history. My ability to design and deliver engaging curriculum materials, mentor students, and secure funding through grant proposals makes me the ideal candidate for this role.

I am available for an interview at your earliest convenience to discuss how my qualifications and commitment to advancing the study of Women’s History align with your institution’s mission.

Osei Johnson

Writing an impressive cover letter is a crucial step in landing a job working at a University, so taking the time to perfect it is well worth while.

By following the tips and examples above you will be able to create an eye-catching cover letter that will wow recruiters and ensure your CV gets read – leading to more job interviews for you.

Good luck with your job search!

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Cover Letter Writing Guide

The purpose of a cover letter.

Anatomy of a Cover Letter

Sometimes called a “letter of intent” or “letter of interest”, a cover letter is an introduction to the rest of your job application materials (e.g., resume/CV, research statement, teaching philosophy, writing samples, etc.). The purpose of a cover letter is to quickly summarize why you are applying to an organization or for a particular position, and what skills and knowledge you bring that make you the most suitable candidate for that position. The cover letter is often the first impression that a prospective employer will have of you, especially if they do not know you, or have not heard about you from their network of contacts. First impressions count, and so getting your cover letter right is a critical step in your job application process. Like all your job application materials, it may take time and focus to write your cover letters well. You will likely have several drafts before you come up with a final version that clearly articulates your skills and your understanding of the employer and the job requirements.

While your resume briefly states your skills, knowledge, experience, and (most importantly) what you have achieved using your abilities, the cover letter gives you an opportunity to create a narrative that shows the path you have taken in your career or education, emphasizing the skills you’ve used along the way, and explaining why the position you are applying to is the next desirable step on this path. To find out more about the structure of the cover letter, you can see some examples here. Also, it is important to know that there are some differences between cover letters written for faculty positions and those written for non-faculty positions. You can review some of the key differences of cover letters for faculty positions here .

When you start the process of looking for job opportunities, you will probably read through lots of job advertisements. You will notice that most job ads ask for a cover letter of some sort. The exception to this might be when you apply for some jobs through an employer’s online job application system, where they may ask you to upload your letter as a document, cut and paste the contents of your letter into specific fields, or they may not ask for a letter at all. For most jobs, and whenever you are submitting a formal application, cover letters are usually expected – and can be very helpful – even if a letter is not requested in the job ad itself.

Cover Letter Etiquette

You might be tempted to send the same version of your cover letter to multiple employers, especially if you are applying for similar types of positions. Don’t. It can be fairly obvious to an employer when they receive a stock letter, and this will make a bad first impression. Tailor your letter to the employer and to the specific job. This may require you to do some background research on the employer’s website, or talk to someone you know (or don’t yet know) who already works there. Use this information to explain why you want to work at that particular place, doing that particular job. It takes time, but it is worth it. You’ll probably have more luck with three tailored cover letters than with 30 stock letters sent out to 30 different employers. Your cover letter will be read by someone as part of a formal job application, so make certain that it is free of spelling mistakes, grammar issues, and typos. Make sure your cover letter fits onto 1 page (for non-academic position applications), has consistent margins and formatting, and a readable font that is between 10-12pts.

When Not to Use Cover Letters: There are some occasions during the job search process where cover letters shouldn’t be used. During career fairs, you would typically only hand out your resume to employers (and a 1-page resume is ideal). Employers want to be able to quickly scan your resume for the key points, and you should be able to verbally communicate some of the ideas that a letter might contain (for example, why this company interests you). Recruiters won’t have the time to read a letter.

Timeline: Getting Started with your Cover Letter

Step 1: The first step to writing a good cover letter is to first have a good resume. For information on putting these documents together, click here . Your cover letter expands upon some of the information you include within these documents, and describes the role you have played in achieving your academic or non-academic goals (i.e., showing how your experiences have made you the best candidate for the position).

Step 2: The next step is to find an open position that interests you, or at least the type of job to which you want to apply. There is no such thing as a one-size-fits-all cover letter, as each should be tailored to each job you apply to, but there will certainly be parts of the letter that will stay much the same, and be appropriate for multiple jobs. This might mean changing some of the key words in the letter, so that you are describing your experience in the employer’s language (using some of their keywords), not your own.

Step 3: Go through the job ad and carefully note all of the requirements and skills the employer is looking for. Based on your background research of the employer and the people you have spoken to who know about this employer, try to identify the two or three most important skills that the employer is looking for. You should then try to create a cover letter that illustrates that you have these skills and have used them effectively. Your cover letter will be stronger if it addresses these requirements and the job duties.  Ensure that you talk about your experiences in the language used by the employer, echoing their words in descriptions you use to illustrate your skills. Write out a list of the keywords that you highlighted from the job ad, and then next to each of these words, write a brief statement that illustrates the fact that you have this skill/ability/knowledge using a specific example. You may not have an experience for all of the requirements, but the more you think about what you have achieved, the more likely it is that you will find something relevant to talk about. When you have all of this information, then you can begin to structure it within the format of a formal cover letter.

Cover letter template

Here is a general template for a cover letter:

Your Name Street Address City, State, Zip Email and phone number

Today’s Date

Mr./Ms./Dr. Name Title Organization

Dear ______:

The opening paragraph should explain why you are writing, giving your specific employment interest. Mention how you found out about the position. If it was advertised, refer to the website or resource in which you saw it. If a contact told you about it, say so. It is also helpful to include an overall summary of the key skills, knowledge areas, or experiences that you are bring to this role right here in the first paragraph. If you start off with these very specific conclusions that confidently state that you have what the employer is looking for, then the reader will also have a lot of confidence that your letter and resume are worth reading. The next paragraphs will then expand on and illustrate what you are summarizing in this first paragraph.

The middle paragraph(s) should summarize the aspects of your background which will interest the employer. The more information you have about the organization and its needs, the better.  Discuss your qualifications in terms of the contributions you can make. While you should not repeat your resume verbatim, don’t hesitate to refer to the most important information discussed in it. Ideally, both your cover letter and your CV/resume would be able to stand alone. It is not necessary to describe yourself in superlatives. Rather than saying, “I can make a uniquely valuable contribution to your organization,” give the employer enough relevant, targeted information to allow the reader to reach that conclusion independently. Be specific and credible. Tell stories that have a touch of drama, for example: “When I was working as the president of X student group, one of the challenges that we faced was XYZ.” Once you have created a touch of drama, describe how you used your skills to overcome it, for example: “So what I had to do was build relationships with administrators on campus by communicating the critical role our group played in doing ABC.” Once you have told the story, reflect on it in terms of how this is particularly relevant for the reader, for example: “I really enjoyed being placed in a position where I had to reach out to contact and bring them all together by creating a shared vision for everyone to buy into. I think this combination of strong marketing skills and relationship building will be valuable to the role of Advertising Associate.”

The closing paragraph should explain why the position and the particular organization is attractive to you, and should hopefully pave the way for the interview. Provide an authentic reason why you are excited about bringing your skills to the role, and what you will also gain from being in the role. Speaking with former or current employees at the organization as part of your networking will help in this regards.  You can also offer to send any additional information, restate your contact details, and state that you look forward to hearing from them.

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University Student Cover Letter Samples & Examples That Worked in 2024

Embarking on the career path, the first step to success is creating a compelling university student cover letter . This powerful tool can unlock doors to internships, jobs, and exciting opportunities within your field of study.

And so, in this guide, we'll equip you with useful tips, real-life examples, and compelling templates, that'll help you get closer to your dream job. Read on and learn about:

• Creating a visually appealing header for your university cover letter
• Researching employers to craft a personalized cover letter
• Writing a compelling introduction as a university student
• Showcasing your best skills and accomplishments as a university student
• Completing your university student cover letter with a strong conclusion
• Finding the best job search resources for university students

1. How to create a visually appealing header for your university cover letter

To begin writing your university student cover letter, your first key step is to create a header.

A cover letter header serves two main purposes: to introduce you to the employer and to give your cover letter an appealing visual structure .

Within your header, you should include:

• Your name and professional title (if you do not have a professional title yet, you can use the title of the job you are applying for and add “Student” at the end)
• Your professional contact information
• The name of the company or organization you are applying to

Here is an example of a well-formatted university student cover letter header

Mason Wilds , Hospitality Management Student (123) 456-7890 | [email protected] | linkedin.com/in/mason-wilds

To: Hilton Head Hotels 1234 Street Address New York, NY

2. How to personalize your university student cover letter

One crucial step to take before beginning to write the body text of your cover letter is to research the employer beforehand. This gives you the opportunity to learn more about them and uncover key details about the company that you can reference throughout your cover letter .

Important information to look for during your research includes:

• Major projects, partnerships, or programs the company is involved in
• The company’s goals, values, and requirements for staff
• The person at the company responsible for hiring and reviewing applications

Using the third piece of information, you can create a personalized greeting that addresses this specific person by name. This lets them know immediately the effort you have put into researching and tailoring your cover letter for them specifically.

Here are 3 examples of personalized cover letter greetings

• Dear Mr. John Applewood,

Dear Hiring Manager John Applewood,

• Dear Mr. John Applewood & the Hiring Department,

3. How to write a compelling introduction as a university student

Next up, you need to begin the body text of your cover letter with a compelling introduction .

To write a strong introduction as a university student, make sure to include:

• A brief overview of your academic experience (most students will have minimal professional experience, making academic experience highly important to describe in a cover letter)
• Your specialized area of expertise (such as the degree you are working toward)
• A concise statement on why you are a great fit for the position

Here is an example of a great introduction from a university student’s cover letter

I am a junior at the University of South Carolina, with two semesters left to complete my degree in Business and Hospitality Management. As I approach my final year of school, I am seeking an internship opportunity with a major hotel chain to hone my hospitality skills and build industry connections. Having earned a spot on my university’s Dean’s List for three consecutive years, I will bring an exceptional work ethic and commitment to excellent service to this position.

Find out your resume score!

4. How to showcase your best skills and accomplishments as a university student

Once your introduction is written and you are satisfied with it, you can move on to writing the remaining body paragraphs of your university student cover letter.

In these body paragraphs, your main goal is to showcase your top skills or accomplishments that are relevant to the job you are applying for. As well as describing these qualifications , you can also use the research you did earlier to reference specific needs of the company and how your skills meet those needs.

Here are 6 examples of skills to describe in a university student cover letter

• Communication (always describe your style of communication)
• Collaboration and teamwork
• Critical thinking
• Time management
• Responsibility

Here is an example of how to describe an accomplishment in a cover letter

As a student at the University of South Carolina, I have served as an Orientation Leader for two years, helping to bring new undergraduate students into the fold and get comfortable in their new surroundings. I recently earned the position of Head Orientation Leader thanks to my overwhelming positive reviews from new students I have mentored. Of the 300+ students I have worked with, 95% gave me a five out of five-star rating at the end of their Orientations.

5. How to complete your university student cover letter with a strong conclusion

The last step to writing your university student cover letter is to craft a strong conclusion . In this conclusion, you should include:

• The best times and days of the week to contact you
• When you are anticipating a response from the employer
• When you plan to follow up with the employer
• A formal sign-off

Here is an example of a strong conclusion from a university student's cover letter

I am honored to be considered for this position and hope to hear from you within the next week regarding this opportunity. You may best reach me at (123) 456-7890 on Mondays through Fridays from 10 a.m. to 7 p.m. As I am excited to learn more about this opportunity, I do plan to follow up next Monday morning if I have not heard back about this position.

Many Thanks,

[Applicant Name]

6. Useful resources for job-seeking university students

As a university student standing at the threshold of a professional career, having the right set of resources can truly empower your job hunt. Let's explore the must-haves in your arsenal:

• University career services: Your own university is a potent resource. Career Services offices often provide resume and cover letter reviews, interview preparation, and job placement assistance. Don't overlook these gems.
• Job search platforms: From LinkedIn to Indeed , these platforms teem with job opportunities perfect for recent graduates. They also offer search filters to streamline the hunt and make it less daunting.
• Field-specific job boards: Niche job boards like Idealist (for non-profits) or Dice (for tech) cater to specific fields, making your job search more focused and productive.
• Online portfolios: Platforms like Behance or GitHub , depending on your field of study, allow you to create an online portfolio showcasing your work. This can be a powerful supplement to your university student cover letter and resume.
• Networking events: Attend career fairs, industry conferences, or university alumni events to build your professional network. You never know which connection might lead to a promising opportunity.
• Internship websites: Websites like Chegg Internships or WayUp specifically cater to students seeking internships, often the stepping stone to a full-time job. 

Armed with these resources, you're ready to embark on the exciting and rewarding journey of your job search. Happy hunting!

University Student Cover Letter FAQ

Draw attention to your academic achievements, any relevant coursework, and transferrable skills you’ve developed throughout your academic career. If you have undertaken internships or projects, summarize what you’ve learned from these experiences and how they can bring value to the prospective role.

Aim to keep it concise and engaging. Typically, a cover letter should not exceed one page. Remember, it's about the quality of your words, not the quantity.

While it's fine to have a standard outline, your cover letter should always be tailored to each job application. Personalizing your cover letter for each role can show the hiring manager your genuine interest in their specific opportunity.

It's generally a good idea to include a cover letter when applying for a job. It gives you another platform to sell your skills and show your enthusiasm for the role and company.

Yes, definitely. Extracurricular activities can highlight your team skills, leadership qualities, and dedication. Remember to connect them back to the skills or qualities the job posting is seeking.

Julia Gergelova

Julia is a professional writer, translator and graphic designer. She holds degrees in translation and interpretation, and has international work experience from a number of different countries in Europe as well as China and Panama. Julia formerly taught academic writing and as a graphic designer contributed to outlets such as  The Business of Business . She has a passion for lifelong learning and good coffee.

All student cover letter examples

• Formal Sciences Student
• High School Student
• Humanities Student
• Student Internship
• Natural Sciences Student
• Professions And Applied Sciences Student
• Social Sciences Student

All university student cover letter examples

Related university student resume examples

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Cover Letter Resources

Cover letters introduce your story and create a first impression for employers. They link your resume to the position, showcasing your knowledge of the organization and highlighting relevant skills. Start by researching the organization, considering what intrigues you and what you have to offer.

WHAT TO INCLUDE

• AI & COVER LETTERS

ONLINE COVER LETTER BUILDER

Quick formatting tips.

Your cover letter should include 3-4 paragraphs with the following information:

• The main purpose of the first paragraph is to introduce yourself and tell why you are writing. You want to grab the employer’s attention: why you are interested in this position and/or why this organization. Use your community: if someone has referred you to the organization (a current employee, friend, family member) include his or her name in the first sentence.
• Tell the employer your story: describe your qualifications for the type of position you seek using specific examples from academic, work, volunteer, and/or co-curricular experiences. Connect your accomplishments, skills and knowledge directly to the type of position, organization and/or field. Avoid repeating facts outlined on your resume by focusing on key concepts.
• Summarize or give a final statement of interest/qualifications. Thank the employer for his/her time and consideration. Plan to follow up with the employer with a phone call or email.

Need help getting started?

Answer some of these questions to help you consider what you want to say in each paragraph.

• Paragraph 1: Why are you interested in this position/this organization? What in the posting made you say “I’ve got to apply!”?
• Paragraphs 2-3: What 2-3 experiences connect your skills to those listed in the position? What made you say “I can do that!”?
• Paragraph 4: What final point do you want to make?

CONSIDERATIONS FOR INCORPORATING AI INTO COVER LETTERS

Using AI for cover letters offers benefits like saving time, providing writing guidance, tailoring content to specific jobs, and ensuring grammar and style correctness. AI boosts consistency, boosts confidence, and reduces writer's block, giving you a competitive edge in the job market. Remember, while AI helps, personalization and creativity remain important for a successful cover letter.

Check out these resources 

• ChatGPT, AI, and the Job Search

Looking for a little help to get you started typing up your cover letter? Consider using  Lettersmith : an online tool developed by U-M's Center for Academic Innovation to help you get started with a checklist of what to include and example letters.

Log into Lettersmith and click "Join Template". Use code OCLAL835 to join the University Career Center's template.

• Use LinkedIn/Facebook and the organization’s website to gather information for your cover letter. Focus on skills and attributes the employer is seeking in applicants. Discuss these skills in the body of your cover letter.
• Try to find the name of the person you want to read the letter.  It demonstrates a higher level of investment and enthusiasm for the position.  If you can't find a name use a title (eg: Internship Coordinator, Human Resources Director)
• Cover letters also showcase your writing abilities. Therefore, it is imperative that your cover letters be error-free and grammatically sound. Avoid beginning every sentence with an “I” statement.
• Underline the verbs in the job posting to identify key skills.
• Avoid cover letter clichés (e.g. ...make me an outstanding candidate).

For more cover letter tips check out these websites:

• Cover Letter Examples for Students and Recent Graduates
• 11 Essential Cover Letter Tips
• Font:  10 to 12 point, in the same font as your resume.
• Paper:  The same as your resume — a quality bond.
• Margins:  1 or 1.25 inches.
• Layout:  Left justified, beginning no more than 2 inches from the top.
• Style:  Positive language, confident but not imposing, concise with supporting detail, written in active verb voice.
• E-mail:  Use body of e-mail as cover letter starting with salutation.

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Writing the Cover Letter

What are the objectives of a cover letter.

A good cover letter puts your résumé in context and persuades the prospective employer that you are a good match for the position in question. If your cover letter does its job, the prospective employer will begin to consider your candidacy and go on to review your résumé in detail.

Your cover letter also serves as a sample of your organizational and communication skills. For this reason, it's essential to spend time writing and organizing the content, and to proofread it carefully. The time and care that you devote to constructing and writing your cover letter and résumé will demonstrate to the prospective employer that you're capable of producing high quality work.

Finally, your cover letter expresses your interest in the particular position or particular organization. Cover letters should be individually tailored for each job prospect. Your letter should convey to each prospective employer that you have an understanding of the job, and that you've done some thinking about how you could fit in to the organization and contribute to its goals.

How should I approach the writing task?

Your cover letter is your opportunity to market those aspects of your skills, abilities, education, training, background, and experience which are most relevant to the position you're seeking. This means that you will need to begin by doing some thinking about your skills and background and how these relate to the position for which you're applying. (For more information about skills, visit the Humanities Academic Services Center website .) Your cover letter should reflect your individuality, but remember that you are "introducing yourself" for the first time to a stranger: it's best to err on the side of professionalism.

Read the job announcement carefully. What are the most important qualifications being sought? How can you best demonstrate that you have them? Try to put yourself in the prospective employer's position: What would you want to know about a candidate for this particular job? What information would be most important to you? Include only the most relevant attributes and experiences you possess which specifically match the job for which you're applying.

Research the company or organization: What does the employing organization do? What are its goals? What is its history? How does it fit in to its industry? What characterizes the organization's culture (e.g., is it casual, conservative, highly structured, diverse, traditional, modern, fast-paced, etc.)? Some information, such as the organization's mission, purpose, clients, partners, and a sense of its "style" can be found on its website (if it has one). There are also industry and employer directories available on the web, in the libraries, and at UW Career Center in 134 Mary Gates Hall. Local and national newspapers, industry-related publications and journals, and the Washington Occupational Information System are also good resources.

Address the letter to a specific individual. As with all writing, it's important to identify your audience. Taking the time to find out the hiring party's name and correct title is another way to demonstrate your interest in the position.

How should I format my cover letter?

Your cover letter should be three to four paragraphs in length and limited to one page. Like an essay, its content can usually be divided up into three parts:

The introduction states the position you're seeking, explains how you learned about the position, and indicates your interest. It often also contains a brief statement of your qualifications (education, experience, and skills).

The body highlights the most important qualities you can offer to this particular employer , related to the position that you're seeking. Because you will be attaching your résumé, this is not the place to go into great detail. What you are attempting to do is to get the employer's attention and interest him/her in your candidacy. This is also the place to present other relevant information about your characteristics or background that may not be evident from your résumé. You might provide the employer with some specific examples of how you've demonstrated particular key skills or how you fulfill the most important qualifications listed in the job announcement.

The conclusion should summarize your qualifications and your interest in the position. Be sure to close your letter with a request for action or an indication that you'll be following up. This might include a request for an interview, a statement of your intent to call the employer on a specific date, or the dates you'll be in town for an interview. Finally, always thank the employer for considering your application.

Sample Cover Letters

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Academic Cover Letters

What is this handout about.

The long list of application materials required for many academic teaching jobs can be daunting. This handout will help you tackle one of the most important components: the cover letter or letter of interest. Here you will learn about writing and revising cover letters for academic teaching jobs in the United States of America.

What is an academic cover letter?

An academic cover letter describes your experiences and interest as a candidate for a specific position. It introduces you to the hiring committee and demonstrates how your academic background fits with the description of the position.

What do cover letters for academic teaching jobs typically contain?

At their most basic level, academic cover letters accomplish three things: one, they express your interest in the job; two, they provide a brief synopsis of your research and teaching; and three, they summarize your past experiences and achievements to illustrate your competence for the job. For early-career scholars, cover letters are typically no more than two pages (up to four pages for senior scholars). Occasionally, a third page may make sense for an early-career scholar if the application does not require a separate teaching statement and/or research statement. Digital versions of cover letters often contain hyperlinks to your CV or portfolio page. For some fields, cover letters may also include examples of your work, including music, popular articles, and other multimedia related to your research, service, or teaching available online. Typically, letters appear on departmental or university letterhead and include your signature. Above all, a strong cover letter presents your accomplishments and your familiarity with the institution and with the position.

How should I prepare to write my academic cover letter?

Like all writing, composing a cover letter is a process. The process may be as short as a few hours or as long as several weeks, but at the end the letter should present you as a strong candidate for the job. The following section has tips and questions for thinking through each stage of this writing process. You don’t need to answer all of these questions to write the letter; they are meant to help you brainstorm ideas.

Before you begin writing your cover letter, consider researching the institution, the department, and the student population. Incorporating all three aspects in your letter will help convey your interest in the position.

Get to know the institution. When crafting your cover letter, be aware of the type of institution to which you are applying. Knowing how the institution presents itself can help you tailor your letter and make it more specific.

• Where is the institution located?
• Is it on a quarter-system or semester-system?
• What type of institution is it? Is it an R1? Is it an R2? Is it a liberal arts college? Is it an HBCU? Is it a community college? A private high school?
• What is the institution’s culture? Is it teaching-focused or research-focused? Does it privilege experiential learning? Does it value faculty involvement outside the classroom? Is it affiliated with a specific religious tradition?
• Does it have any specific institutional commitments?
• How does the institution advocate for involvement in its local community?
• What are the professional development opportunities for new and junior faculty?

Learn about the department. Knowing the specific culture and needs of the department can help you reach your audience: the department members who will be reading your documents and vetting you as a candidate.

• Who is on the search committee? Who is the search committee chair?
• What is the official name of the department?
• Which different subfields make up the department?
• Is it a dual appointment or a position in a dual department?
• How does the department participate in specific types of student outreach?
• Does the department have graduate students? Does it offer a terminal Master’s degree, Ph.D., or both? How large are the cohorts? How are they funded?
• Does the department encourage or engage in interdisciplinary work?
• Does the majority of the department favor certain theoretical or methodological approaches?
• Does the department have partnerships with local institutions? If so, which ones?
• Is the department attempting to fill a specific vacancy, or is it an entirely new position?
• What are the typical course offerings in the department? Which courses might you be expected to teach? What courses might you be able to provide that are not currently available?

Consider the students. The search committee will often consider how you approach instructing and mentoring the student body. Sometimes committees will even reserve a position for a student or solicit student feedback on a candidate:

• What populations constitute the majority of the undergraduate population?
• Have there been any shifts in the student population recently?
• Do students largely come from in-state or out-of-state?
• Is there an international student population? If so, from which countries?
• Is the university recruiting students from traditionally underrepresented populations?
• Are students particularly active on campus? If so, how?

Many answers to these questions can be found both in the job description and on the institution’s website. If possible, consider contacting someone you know at the institution to ask about the culture directly. You can also use the institution’s course catalog, recruitment materials, alumni magazine, and other materials to get answers to these questions. The key is to understand the sort of institution to which you are applying, its immediate needs, and its future trajectory.

Remember, there is a resource that can help you with all three aspects—people. Reach out to your advisor, committee members, faculty mentors, and other contacts for insight into the prospective department’s culture and faculty. They might even help you revise your letter based on their expertise. Think of your job search as an opportunity to cultivate these relationships.

After you have done some initial research, think about how your experiences have prepared you for the job and identify the ones that seem the most relevant. Consider your previous research, internships, graduate teaching, and summer experiences. Here are some topics and questions to get you started thinking about what you might include.

Research Experiences. Consider how your research has prepared you for an academic career. Since the letter is a relatively short document, select examples of your research that really highlight who you are as a scholar, the direction you see your work going, and how your scholarship will contribute to the institution’s research community.

• What are your current research interests?
• What topics would you like to examine in the future?
• How have you pursued those research interests?
• Have you traveled for your research?
• Have you published any of your research? Have you presented it at a conference, symposium, or elsewhere?
• Have you worked or collaborated with scholars at different institutions on projects? If so, what did these collaborations produce?
• Have you made your research accessible to your local community?
• Have you received funding or merit-based fellowships for your research?
• What other research contributions have you made? This may include opinion articles, book chapters, or participating as a journal reviewer.
• How do your research interests relate to those of other faculty in the department or fill a gap?

Teaching Experience. Think about any teaching experience you may have. Perhaps you led recitations as a teaching assistant, taught your own course, or guest lectured. Pick a few experiences to discuss in your letter that demonstrate something about your teaching style or your interest in teaching.

• What courses are you interested in teaching for the department? What courses have you taught that discussed similar topics or themes?
• What new courses can you imagine offering the department that align with their aim and mission?
• Have you used specific strategies that were helpful in your instruction?
• What sort of resources do you typically use in the classroom?
• Do you have anecdotes that demonstrate your teaching style?
• What is your teaching philosophy?
• When have you successfully navigated a difficult concept or topic in the classroom, and what did you learn?
• What other opportunities could you provide to students?

Internships/Summer/Other Experiences. Brainstorm a list of any conferences, colloquiums, and workshops you have attended, as well as any ways you have served your department, university, or local community. This section will highlight how you participate in your university and scholarly community. Here are some examples of things you might discuss:

• Professional development opportunities you may have pursued over the summer or during your studies
• International travel for research or presentations
• Any research you’ve done in a non-academic setting
• Presentations at conferences
• Participation in symposia, reading groups, working groups, etc.
• Internships in which you may have implemented your research or practical skills related to your discipline
• Participation in community engagement projects
• Participation in or leadership of any scholarly and/or university organizations

In answering these questions, create a list of the experiences that you think best reflect you as a scholar and teacher. In choosing which experiences to highlight, consider your audience and what they would find valuable or relevant. Taking the time to really think about your reader will help you present yourself as an applicant well-qualified for the position.

Writing a draft

Remember that the job letter is an opportunity to introduce yourself and your accomplishments and to communicate why you would be a good fit for the position. Typically, search committees will want to know whether you are a capable job candidate, familiar with the institution, and a great future addition to the department’s faculty. As such, be aware of how the letter’s structure and content reflect your preparedness for the position.

The structure of your cover letter should reflect the typical standards for letter writing in the country in which the position is located (the list below reflects the standards for US letter writing). This usually includes a salutation, body, and closing, as well as proper contact information. If you are affiliated with a department, institution, or organization, the letter should be on letterhead.

• Use a simple, readable font in a standard size, such as 10-12pt. Some examples of fonts that may be conventional in your field include Arial, Garamond, Times New Roman, and Verdana, among other similar fonts.
• Do not indent paragraphs.
• Separate all paragraphs by a line and justify them to the left.
• Make sure that any included hyperlinks work.
• Include your signature in the closing.

Before you send in your letter, make sure you proofread and look for formatting mistakes. You’ll read more about proofreading and revising later in this handout!

The second most important aspect of your letter is its content. Since the letter is the first chance to provide an in-depth introduction, it should expand on who you are as a scholar and possible faculty member. Below are some elements to consider including when composing your letter.

Identify the position you are applying to and introduce yourself. Traditionally, the first sentence of a job letter includes the full name of the position and where you discovered the job posting. This is also the place to introduce yourself and describe why you are applying for this position. Since the goal of a job letter is to persuade the search committee to include you on the list of candidates for further review, you may want to include an initial claim as to why you are a strong candidate for the position. Some questions you might consider:

• What is your current status (ABD, assistant professor, post-doc, etc.)?
• If you are ABD, have you defended your dissertation? If not, when will you defend?
• Why are you interested in this position?
• Why are you a strong candidate for this position?

Describe your research experience and interests. For research-centered positions, such as positions at R1 or other types of research-centered universities, include information about your research experience and current work early in the letter. For many applicants, current work will be the dissertation project. If this is the case, some suggest calling your “dissertation research” your “current project” or “work,” as this may help you present yourself as an emerging scholar rather than a graduate student. Some questions about your research that you might consider:

• What research experiences have you had?
• What does your current project investigate?
• What are some of the important methods you applied?
• Have you collaborated with others in your research?
• Have you acquired specific skills that will be useful for the future?
• Have you received special funding? If so, what kind?
• Has your research received any accolades or rewards?
• What does your current project contribute to the field?
• Where have you presented your research?
• Have you published your research? If so, where? Or are you working on publishing your work?
• How does your current project fit the job description?

Present your plans for future research. This section presents your research agenda and usually includes a description of your plans for future projects and research publications. Detailing your future research demonstrates to the search committee that you’ve thought about a research trajectory and can work independently. If you are applying to a teaching-intensive position, you may want to minimize this section and/or consider including a sentence or two on how this research connects to undergraduate and/or graduate research opportunities. Some questions to get you started:

• What is your next research project/s?
• How does this connect to your current and past work?
• What major theories/methods will you use?
• How will this project contribute to the field?
• Where do you see your specialty area or subfield going in the next ten years and how does your research contribute to or reflect this?
• Will you be collaborating with anyone? If so, with whom?
• How will this future project encourage academic discourse?
• Do you already have funding? If so, from whom? If not, what plans do you have for obtaining funding?
• How does your future research expand upon the department’s strengths while simultaneously diversifying the university’s research portfolio? (For example, does your future research involve emerging research fields, state-of-the-art technologies, or novel applications?)

Describe your teaching experience and highlight teaching strategies. This section allows you to describe your teaching philosophy and how you apply this philosophy in your classroom. Start by briefly addressing your teaching goals and values. Here, you can provide specific examples of your teaching methods by describing activities and projects you assign students. Try to link your teaching and research together. For example, if you research the rise of feminism in the 19th century, consider how you bring either the methodology or the content of your research into the classroom. For a teaching-centered institution, such as a small liberal arts college or community college, you may want to emphasize your teaching more than your research. If you do not have any teaching experience, you could describe a training, mentoring, or coaching situation that was similar to teaching and how you would apply what you learned in a classroom.

• What is your teaching philosophy? How is your philosophy a good fit for the department in which you are applying to work?
• What sort of teaching strategies do you use in the classroom?
• What is your teaching style? Do you lecture? Do you emphasize discussion? Do you use specific forms of interactive learning?
• What courses have you taught?
• What departmental courses are you prepared to teach?
• Will you be able to fill in any gaps in the departmental course offerings?
• What important teaching and/or mentoring experiences have you had?
• How would you describe yourself in the classroom?
• What type of feedback have you gotten from students?
• Have you received any awards or recognition for your teaching?

Talk about your service work. Service is often an important component of an academic job description. This can include things like serving on committees or funding panels, providing reviews, and doing community outreach. The cover letter gives you an opportunity to explain how you have involved yourself in university life outside the classroom. For instance, you could include descriptions of volunteer work, participation in initiatives, or your role in professional organizations. This section should demonstrate ways in which you have served your department, university, and/or scholarly community. Here are some additional examples you could discuss:

• Participating in graduate student or junior faculty governance
• Sitting on committees, departmental or university-wide
• Partnerships with other university offices or departments
• Participating in community-partnerships
• Participating in public scholarship initiatives
• Founding or participating in any university initiatives or programs
• Creating extra-curricular resources or presentations

Present yourself as a future faculty member. This section demonstrates who you will be as a colleague. It gives you the opportunity to explain how you will collaborate with faculty members with similar interests; take part in departmental and/or institution wide initiatives or centers; and participate in departmental service. This shows your familiarity with the role of faculty outside the classroom and your ability to add to the departmental and/or institutional strengths or fill in any gaps.

• What excites you about this job?
• What faculty would you like to collaborate with and why? (This answer may be slightly tricky. See the section on name dropping below.)
• Are there any partnerships in the university or outside of it that you wish to participate in?
• Are there any centers associated with the university or in the community that you want to be involved in?
• Are there faculty initiatives that you are passionate about?
• Do you have experience collaborating across various departments or within your own department?
• In what areas will you be able to contribute?
• Why would you make an excellent addition to the faculty at this institution?

Compose a strong closing. This short section should acknowledge that you have sent in all other application documents and include a brief thank you for the reader’s time and/or consideration. It should also state your willingness to forward additional materials and indicate what you would like to see as next steps (e.g., a statement that you look forward to speaking with the search committee). End with a professional closing such as “Sincerely” or “Kind Regards” followed by your full name.

If you are finding it difficult to write the different sections of your cover letter, consider composing the other academic job application documents (the research statement, teaching philosophy, and diversity statement) first and then summarizing them in your job letter.

Different kinds of letters may be required for different types of jobs. For example, some jobs may focus on research. In this case, emphasize your research experiences and current project/s. Other jobs may be more focused on teaching. In this case, highlight your teaching background and skills. Below are two models for how you could change your letter’s organization based on the job description and the institution. The models offer a guide for you to consider how changing the order of information and the amount of space dedicated to a particular topic changes the emphasis of the letter.

Research-Based Position Job Letter Example:

Teaching-based position job letter example:.

Remember your first draft does not have to be your last. Try to get feedback from different readers, especially if it is one of your first applications. It is not uncommon to go through several stages of revisions. Check out the Writing Center’s handout on editing and proofreading and video on proofreading to help with this last stage of writing.

Potential pitfalls

Using the word dissertation. Some search committee members may see the word “dissertation” as a red flag that an applicant is too focused on their role as a graduate student rather than as a prospective faculty member. It may be advantageous, then, to describe your dissertation as current research, a current research project, current work, or some other phrase that demonstrates you are aware that your dissertation is the beginning of a larger scholarly career.

Too much jargon. While you may be writing to a specific department, people on the search committee might be unfamiliar with the details of your subfield. In fact, many committees have at least one member from outside their department. Use terminology that can easily be understood by non-experts. If you want to use a specific term that is crucial to your research, then you should define it. Aim for clarity for your reader, which may mean simplification in lieu of complete precision.

Overselling yourself. While your job letter should sell you as a great candidate, saying so (e.g., “I’m the ideal candidate”) in your letter may come off to some search committee members as presumptuous. Remember that although you have an idea about the type of colleague a department is searching for, ultimately you do not know exactly what they want. Try to avoid phrases or sentences where you state you are the ideal or the only candidate right for the position.

Paying too much attention to the job description. Job descriptions are the result of a lot of debate and compromise. If you have skills or research interests outside the job description, consider including them in your letter. It may be that your extra research interests; your outside skills; and/or your extracurricular involvements make you an attractive candidate. For example, if you are a Latin Americanist who also happens to be well-versed in the Spanish Revolution, it could be worth mentioning the expanse of your research interests because a department might find you could fill in other gaps in the curriculum or add an additional or complementary perspective to the department.

Improper sendoff. The closing of your letter is just as important as the beginning. The end of the letter should reflect the professionalism of the document. There should be a thank-you and the word sincerely or a formal equivalent. Remember, it is the very last place in your letter where you present yourself as a capable future colleague.

Small oversights. Make sure to proofread your letter not just for grammar but also for content. For example, if you use material from another letter, make sure you do not include the names of another school, department, or unassociated faculty! Or, if the school is in Chicago, make sure you do not accidentally reference it as located in the Twin Cities.

Name dropping. You rarely know the internal politics of the department or institution to which you are applying. So be cautious about the names you insert in your cover letters. You do not want to unintentionally insert yourself into a departmental squabble or add fire to an interdepartmental conflict. Instead, focus on the actions you will undertake and the initiatives you are passionate about.

Works consulted

We consulted these works while writing this handout. This is not a comprehensive list of resources on the handout’s topic, and we encourage you to do your own research to find additional publications. Please do not use this list as a model for the format of your own reference list, as it may not match the citation style you are using. For guidance on formatting citations, please see the UNC Libraries citation tutorial . We revise these tips periodically and welcome feedback.

Ball, Cheryl E. 2013. “Understanding Cover Letters.” Inside Higher Ed , November 3, 2013. https://www.insidehighered.com/advice/2013/11/04/essay-cover-letter-academic-jobs .

Borchardt, John. 2014. “Writing a Winning Cover Letter.” Science Magazine , August 6, 2014. https://www.sciencemag.org/careers/2014/08/writing-winning-cover-letter# .

Helmreich, William. 2013. “Your First Academic Job.” Inside Higher Ed , June 17, 2013. https://www.insidehighered.com/advice/2013/06/17/essay-how-land-first-academic-job .

Kelsky, Karen. 2013. “How To Write a Journal Article Submission Cover Letter.” The Professor Is In (blog), April 26, 2013. https://theprofessorisin.com/2013/04/26/how-to-write-a-journal-article-submission-cover-letter/ .

Tomaska, Lubomir, and Josef Nosek. 2008. “Ten Simple Rules for Writing a Cover Letter to Accompany a Job Application for an Academic Position.” PLoS Computational Biology 14(5). https://doi.org/10.1371/journal.pcbi.1006132 .

You may reproduce it for non-commercial use if you use the entire handout and attribute the source: The Writing Center, University of North Carolina at Chapel Hill

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Cover letters

What to include.

You can include information like:

• competencies
• credentials
• types of experiences 
• demonstrated accomplishments

If you're responding to a job posting:

• identify the organization
• refer to the position you’re applying for
• address an individual who is hiring (if possible)
• describe how your experiences and skills match the requirements of the position and how this will be benefit the employer
• avoid just repeating information from your resume – this is your chance to provide some context

If you're sending a letter to an employer who isn't currently hiring:

• identify the type of position you’re interested in
• explain why you're contacting the organization or person
• outline how your experience and competencies will bring value
• indicate when and how you’re going to follow up

How to structure it

Every cover letter is different, so this is just a suggestion of what you may want to include.

Introductory paragraph

• state your purpose and why you are applying
• list the job title and organization name
• show that you’ve researched the organization, such as referencing its mission or vision statement
• indicate your enthusiasm and state what you’ll bring to the organization

Middle paragraph or paragraphs

• use an active voice
• group information around the job requirements (e.g., your organizational skills)
• avoid starting every sentence with “I”
• use transition phrases (e.g., additionally, also)
• give solid examples of your past experience and the skills you bring as a result

Closing paragraph

• thank the organization
• criminal record check, age limit, citizenship/residency, driver’s license
• provide your contact information, if applicable
• restate your interest in the position and express interest in an interview

Keep your cover letter to 1 page unless otherwise specified. Match the font and style of your résumé.

Here are a few examples of cover letters:

Standard cover letter

Student name 250-555-5555   [email protected]

November 1, 20XX

Employer name Employer job title Employer organization

Re: Position and competition number (if provided on the job posting)

Dear employer,

I am writing to apply for the Recreation Assistant Position with School Name as posted on the UVic job site. Throughout high school and university I have been involved in peer support and special needs assistance. I have a strong belief that recreation should be available to all members of our society.

While working as a counsellor at Camp Thunderbird, I gained experience leading groups of teenagers in outdoor activities. This experience also allowed me to work with teens with special needs, helping to accommodate them so that they could get the most out of the Camp Thunderbird environment. Additionally, I have been volunteering as a peer helper at UVic, where I counsel students who are having a difficult time. These experiences have opened my eyes to how important it is to be inclusive and supportive in all environments.

My volunteer background also includes coaching athletics at the high school level, where I worked mainly with girls’ basketball and volleyball teams. During my coaching experience, I developed the interpersonal communication and leadership skills that will help me excel as a recreation assistant. My enthusiasm and dedication are key attributes that I bring to everything I do. I also have a Class 4 driver’s license.

Thank you for considering my application. I look forward to meeting with you to discuss this position in greater detail.

Sincerely, UVic Student

• your contact information should match the information on your résumé
• include the address of the organization that is hiring
• address the cover letter to a person if possible
• use real and detailed examples to highlight your qualifications
• focus on why you’ll be an asset to the employer, not how you’ll benefit from the job
• tell the employer what other competencies you have to offer
• thank the employer for considering your application and request an interview

Job posting

This standard cover letter refers to the following job posting:

Job title: Recreation Assistant Job location: Victoria Region: Victoria (Capital Region) Salary/wage: 18.50 Hours per week: 37.5 Number of positions: 2

Job description:

The person in this position will facilitate the recreation inclusion of people with disabilities into community-based leisure and recreation opportunities. This occurs under the overall supervision of the employer name. Evaluates leisure and recreation needs of clients and the assistance they require in order to participate in community leisure and recreation opportunities. Provides assistance to individuals with disabilities while they pursue their leisure and recreation interests. Encourages relationship building by facilitating the inclusion of clients with their non-disabled peers.

Other related duties as assigned.

Skills required:

• commitment to the recreation inclusion process
• ability to work independently
• knowledge and/or experience working with people with disabilities
• good communication skills
• good organizational skills
• valid standard first aid and CPR certification
• no transcript required with your application

Special job requirements:

• Class 4 Driver’s license

Bulleted cover letter

Student name Phone: 250-555-5555    Email: [email protected]

May 1, 20XX

I recently attended a Co-op and Career Fair open to students in the Bachelor of Commerce program, and was impressed by the breadth of public services offered by your company name

After reviewing the key objectives of the bureau and learning of the GoProject initiative, I understand the need for innovation in marketing this project. I am excited to be considered for the marketing analyst position. I am a strong academic performer with comprehensive training in research and marketing and the high degree of professionalism and technical skills required to support your team in its goals.

As a student leader with more than three years’ experience in marketing, I can offer:

• familiarity with marketing principles and personal management, demonstrated by my success in several university-level marketing courses while working part-time
• ability to produce marketing materials, both online and in print
• creative and innovative thinking with experience running a small community-based arts collective
• strong research and analytical skills, developed through case competitions and volunteer experience with Researchers Ltd.
• significant experience with standard marketing tools (Adobe Creative Suite, HubSpot, Hootsuite) and statistical/database software (SPSS, Excel, Access)

As a self-motivated business student with a genuine interest in the GoProject, I look forward to sharing my strengths in an organization devoted to providing quality services to all the constituents in BC. I meet all of the funding criteria outlined in the position description and am available to begin immediately.

Thank you for considering my application, and I look forward to hearing from you.

Kind regards, Student name

• state why the company interests you and how your skills and experience would be an asset

The bulleted cover letter refers to the following job posting:

Position: Marketing Analyst Employer: Employer name Address applications to: Employer name

This position reports to the senior marketing analyst with the employer name responsible for the GoProject Initiative and will provide general support to that role including such activities as:

• working with the team to develop a comprehensive marketing plan for the GoProject Initiative
• researching past marketing practices and best practices in other jurisdictions
• analysis of survey and test marketing results using database software (Excel/Access)
• development of marketing materials using a variety of media

Candidate qualifications:

• demonstrated interest in marketing field
• basic research skills
• strong Excel skills, familiarity with other statistical/database management software an asset
• familiarity with any marketing software would be an asset

Prospecting letter

A prospecting letter is also known as a letter of interest. It is sent to potential employers who may be hiring but who haven’t listed a specific job opening.

Employer name Employer title Employer organization

Dear Mr. Scott,

I could not pass up the opportunity to inquire about a potential employment opportunity at the National Judicial Institute. I am presently enrolled in the Master of Arts in Public Administration program at the University of Victoria. In my attached résumé, you will see I have a proven ability to design, plan and lead high-impact programs. I possess the organizational and administrative acumen needed to translate a strategic vision into a results-producing action plan. In addition, I am motivated and enthusiastic and would appreciate the opportunity to contribute to your organization’s success.

With strong communication skills and a dynamic presentation and public speaking style, let me note that one of my greatest strengths is my ability to build relationships within and outside an organization. My experience working with community groups is as extensive as it is diverse. As a consultant and program manager, I was often tasked with the administration, development and implementation of strategies to assist or improve various programs, using my natural ability to establish consensus among cross-functional lines.

Key competencies:

• proven ability to design, plan and lead high-impact training programs and curriculum and possess the necessary organizational and administrative acumen to translate a strategic vision into a results-producing action plan
• strong interpersonal skills including listening, communication and mediation skills
• manage the creation and development of training programs and materials and evaluation systems to meet the needs of internal and external stakeholders
• continuously capitalize on best practices and lessons learned in order to optimize use of available resources and ensure the key program objectives are met
• demonstrated ability to communicate at all levels of an organization
• advanced ability to think conceptually and strategically, through understanding and analyzing complex situations or problems, identifying patterns or connections and developing innovative solutions in an environment of change

I am goal oriented, driven and not afraid of hard work. I will follow up to see if we can arrange a meeting in the future.

Writing your cover letter

A general cover letter that doesn’t address the particular job posting won’t cut it. You need a cover letter that addresses the employer’s needs.

Steps to writing a cover letter

• Assess the needs of the organization and how you can bring value. For help with this, see how to deconstruct a job posting .
• Choose your format and write your first draft.
• Get feedback and make revisions.
• Proofread and submit your cover letter.

Cover letter tips

• Gather background research on the organization and address your letter to a specific person if possible (or use “Dear Hiring Committee” if you don’t have a contact name). You can do a web search for the employer to see if they've been in the news recently.
• Explain why you’re writing by mentioning the job and organization by name.
• Identify what interests you about the job and describe how you can add value.
• Use detailed examples to describe your accomplishments and qualifications. It’s not enough to say that you have the skills; employers want to know how and when you’ve used them.
• Tailor your cover letter to the job posting by addressing the specific responsibilities of the position and the skills you can bring.
• Use fewer words and make each statement count. 
• Use professional language, correct spelling, punctuation and grammar.
• Use the action verbs list  to find strong action words.
• Use a writing style that’s clear, straightforward and genuine.
• Thank the organization for considering your application and state that you're interested in learning about next steps.

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Sample Cover Letters

Look through these sample cover letters to get an idea of what to include in your letter.   Do not copy them directly!  

The most important quality you can convey in your cover letter is enthusiasm, and this must be done in your own style.

Read our tips for writing a great cover letter .  We suggest that you write the first draft of your letter without using a sample to guide you.  Once you’ve created your first letter, those that follow will be much easier. 

Undergraduate Internship

Layla D’Antonio New York, NY | [email protected] | (212) 555-0000

February 5, 2023

Dear Ms. Chan,

I am writing to express my interest in CNN’s editorial internship as part of the Columbia Experience Overseas Hong Kong. With a keen interest in media production and journalism, I am eager to explore these fields in one of the world’s fastest-growing markets. As a rising sophomore at Columbia University studying psychology with a concentration in sustainable development, I am excited to apply my cultural awareness and critical thinking skills, as well as my creativity and teamwork skills to this position.

For the past year, I have worked with the Columbia Video Network to record classes for the developing online sector of Columbia University School of Engineering. My colleagues and I produced content that students around the world can access for their online programs. Additionally, I played a vital role managing our social media presence via Facebook and Twitter, increasing the network’s online exposure by sharing photos from our production room, writing posts about advancements in technology, and sharing engineering-related content. Through this experience, I familiarized myself with media outlets and increased engagement with prospective students.

Currently, as Division I student-athlete, I continuously develop my perseverance, mental stamina and time management skills. I have learned to master the art of balancing a demanding schedule while navigating a fast-paced environment. My experience as an athlete has also helped me to become an effective leader and communicator, acting as a liaison between my teammates and coaching staff. All are skills I expect to use at CNN.

I am excited by the opportunity to contribute to one of the world’s leading news organizations while exploring my curiosity in the use of technology as a tool to transmit knowledge through visual media. I look forward to the opportunity to learn how CNN integrates these tools within the news landscape, and to grow as a journalist and creative thinker. Thank you for your consideration.

Sincerely, Layla D’Antonio

Creative Industry

Sara Danson New York, NY • +1 (202) 555-0188 • [email protected]

April 26, 2023

Dear Hiring Team,

Growing up with a political historian as my father, I learned a crucial lesson: to care about people, you have to care about politics. In this vein, I have long admired the Center for Democratic Progress, using your reports and articles to help define my own policy positions. As I prepare to graduate from Columbia University with a degree in American studies and creative writing in May, I want to work for an organization that lets me act on my care for people every day. With seven years of editorial experience, I think I could do great work as Democratic Progress’ Assistant Editor.

I first honed my editing skills as a journalist. Working for Elementary, I wrote and copy edited dozens of articles using AP Style – everything from long-form investigations of standardized testing to columns about Common Core. I posted and formatted articles and photos on Elementary’s WordPress site, and managed production of the magazine’s quarterly print issues. For this work, I wrote headlines, blurbs, and photo captions as needed, and used Adobe Photoshop and InDesign regularly. I have done similar work as a writer for the Daily Noise, a workshop participant at Columbia, and the sole editor of The Soul in Our Soles, a full-length book. Through these experiences, I have edited hundreds of pages, adjusted to new style guides and expectations, and learned how to give my feedback clearly and diplomatically. So, too, have I honed my attention to detail and accuracy, learned how to work independently and under time pressure, and kept track of small-moving parts across several projects at once.

In other jobs, I have channeled my political views into meaningful work. As an intern for the League Against Hate Speech and Detroit for All, a nonprofit which helps immigrants and refugees in Southeast Michigan, I worked with teams to advocate progressive policy positions by planning trips, conferences, and community-wide events. As part of this work, I communicated with a wide range of individuals – wealthy businessmen, Bhutanese refugees, and Israeli activists alike – and sharpened my written and verbal communications skills. I also gave my colleagues operational support, copying and filing papers, scheduling meetings, and inputting data into Salesforce, among other tasks. These experiences taught me when to ask for help, how to solve problems, and how to organize my work and others’ well. At the same time, I learned firsthand how satisfying it is to work hard for a cause you believe in.

Given the opportunity, I would love to do that work for Democratic Progress as your Assistant Editor. I would be able to relocate to Washington, D.C. quickly upon hiring. Thank you so much for your time and consideration, and I look forward to hearing from you.

Sincerely, Sara Danson

Engineering

Devon Fisher 917-555-0000 | [email protected] | New York, NY

March 11, 2023

Vince Winchester Thornton Tomasetti 51 Madison Ave #19 New York, NY 10010

Dear Mr. Winchester,

I am writing to express my interest in the Energy Analyst internship at Thornton Tomasetti. After connecting with Recruitment manager Charlotte Greene at Columbia University’s Sustainability Career Fair, and learning about the company’s impact in the sustainable engineering space, I knew I needed to apply. I am a senior at Columbia majoring in Mechanical Engineering and believe that my critical thinking and interpersonal skills along with my commitment to engaging in complex engineering problems would be an asset to your team.

During my internship with ERS, I successfully employed my critical thinking skills and interpersonal skills to pinpoint cost-effective retrofit measures on a very limited budget and with little manpower. While working on heat load models, I realized that improving the insulation of a building could result in greater savings than the team’s HVAC focus. With approval from my boss, I was able to take initiative to create a new framework for implementing insulation and envelope repairs. Using this idea, the team discovered that one of the school sites could save over $30,000 a year on electricity through insulation upgrades.

Currently, I am leading a project for the Columbia Formula SAE team researching and analyzing sensors with a goal to wire a car to increase speed and validate load predictions. This project is particularly relevant to the current trends in the energy efficiency space, as sensors exist in buildings and retrofit projects need to be validated. My current coursework complements my experience in its focus on statistical programming for modeling environmental issues. For example, I am working on a project using machine learning to predict roofs in New York City that need insulation.

I am excited by the opportunity to be on a team that collaborates to help clients meet their engineering and sustainability goals, and where I can showcase my mechanical engineering skills. Thank you for considering me to join the Thornton Tomasetti team.

Sincerely, Devon Fisher

Experienced

AMY M. ROBINS 212-555-1212 • [email protected] 

August 22, 2022

Dear Ms. Kramer,

I am writing to apply to your grant writer position. When I saw this posting on your website, I was immediately drawn to AIDG’s focus on business incubation and eco-friendly technologies, and believe your model offers many opportunities to create lasting improvements to infrastructures in Guatemala and Haiti. To help your company gain further funding for its mission, I offer proven writing, research, and communication skills as well as successful grant writing experience.

I was inspired to transition from magazine writing to grant writing when I started editing documents for the Refugee and Immigrant Fund (RIF), a not-for-profit agency that aids new immigrants as they adjust to life in the United States. Working with RIF’s founder to create two grant applications, I found my editorial background equipped me well for the challenges of drafting and editing proposals to secure not-for-profit funding. Both applications were successful and resulted in grants needed to support two new programs.

Additionally, as the Assistant Research Editor at Budget Travel magazine, I pinpoint the most engaging details of a subject and write stories that appeal to a targeted audience. These skills have helped me create grant applications that draw attention from an audience of grant givers and personal donors.

Finally, every day at Budget Travel, I communicate effectively across language barriers. Maintaining my record of zero printed errors, I routinely call and email small foreign businesses, from family-owned restaurants in Panama to three-room B&Bs in Italy. My French language proficiency, further refined when I studied in Senegal, will help me work closely with your staff in Haiti. Moreover, I am currently enrolled in introductory Spanish lessons and plan to continue classes in Guatemala.

I would be honored to join AIDG and help promote sustainable technologies, XelaTeco, and other business incubation plans. I look forward to discussing how I can help your organization grow and expand through fundraising. Thank you for your time and consideration.

Sincerely, Amy Robins

Using Bullet Points

Elizabeth Lee (212) 555-0649 || [email protected] || New York, NY

September 5, 2022

Bain & Company 415 Mission Street, Suite 4800 San Francisco, California 94105

Dear Ms. Victoria Andres,

I am writing to apply for the Associate Consultant position at Bain & Company’s San Francisco and New York offices. I am currently a senior at Columbia University pursuing a major in Philosophy with a minor in Economics. Throughout the past year, I have had the pleasure of talking to ACs in the San Francisco, Chicago, and Shanghai offices about their experiences at Bain. Most recently, I spoke with Cheryl Bloom, an AC at the SF Office and my ACI interview buddy last year. She emphasized the great learning environment and active mentorships available at Bain, which I find very exciting!

This past summer, I worked at Kaiser Associates , a Washington D.C.-based international strategy and management consulting firm serving Fortune 500 companies. I believe my consulting experiences, leadership successes, and academic achievement will make me a valuable asset to Bain.

As an Associate Consultant, I will contribute the following skills:

Analytical problem-solving. At Kaiser Associates, I analyzed prices of construction machine warranties for a Fortune 100 industrial equipment manufacturer in order to increase its warranty sales through price adjustments. Using regressions in Excel, I evaluated the impact of different types of coverages on warranty prices at competing manufacturers. As a result, I was able to provide quantitative data to help the project team develop final recommendations, which were well-received by our client at the end of the project.

Strong interpersonal and client-facing skills. At Asia Society last summer, I presented a sponsorship proposal to senior managers of All Nippon Airways (ANA) and the Peninsula Hotel regarding an upcoming Japanese cultural banquet. By thoroughly researching the two companies’ preferences to devise sponsorship tiers and benefits, I successfully convinced both to sponsor the event by offering 75% discounted air tickets and accommodation, saving Asia Society $6,000 in the budget.

Leadership and influence. As one of three recipients of the Symposium Fellowship (a Columbia-sponsored liberal arts teaching fellowship), I designed and taught a 10-day seminar on Dostoevsky and Rousseau in Beijing, China. With 15 high school and college students, whose areas of study ranged from engineering to fine arts, I facilitated in-depth discussions about philosophical texts as well as contemporary social issues and engaged every student in seminar-style learning regardless of their English language skills and points of view. Based on feedback from a course evaluation survey designed by myself, all 15 students were beyond satisfied with the seminar and began to take an interest in philosophy.

With my strong academic achievements and multicultural, multilingual background, I am confident that I would be a great addition to Bain and make tangible contributions to the team. I look forward to discussing my candidacy for this position at your convenience. Thank you for your time and consideration.

Sincerely, Elizabeth Lee

Create Your Own Internship

Even if a company or organization does not have an internship program or has never had an intern, it may be possible to convince them to create an internship for you. 

Here are some tips to get started on your “create your own internship” cover letter:

In your cover letter, acknowledge that while there is no internship program in their company or organization, you are proposing that they create an internship for you based on the skills you offer and the value you could add in return for real work experience and training.

Explain the type of work that you would like to do. Remember to be realistic about what type of work an intern typically does in this field. It may be helpful to research internship postings at similar organizations for reference.

Demonstrate your knowledge about and interest in the company. Be enthusiastic and convincing as to why you want to work for them.

Use social media or the company’s “About Us” web pages to identify an actual person in the department that interests you and direct your cover letter and resume to that person.

Follow up in a few days with another email or a phone call. 

Cover Letter with Comments

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Cover Letter Guide

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The cover letter is one of your marketing documents (in addition to your resume) and your opportunity to bring additional focus to your resume with a specific reader in mind. You will write a unique and well-researched letter for every opportunity to which you apply. Before you begin constructing your cover letter, we encourage you to consider your lens.  What we mean is that we want you to adopt the mindset, or lens, of the person who will make the hiring decision.

• What are the most important qualities needed to be successful in this role? 
• What type of candidate will progress to the interview? 

Many of the answers you seek are found in the job description or through a conversation with a professional who works for the organization. Use all of these resources to identify the most important messages that you need to convey about your story in the cover letter. A Cover letter is an opportunity to tell your story in a compelling way by making a claim and substantiating that claim with examples. It follows much of the same structure as an essay.

• Present a clear thesis.
• Provide evidence to support your claims.
• Bring the story to a close with a succinct and compelling conclusion.

Not sure a cover letter is necessary?   Think of the cover letter as part of the resume.  If someone asks for a resume, send a resume plus a cover letter, unless there is an explicit request otherwise. This is standard practice. Also, if you are applying online and have a small text box in which to provide additional information, consider this an opportunity for a mini-cover letter.

Steps to Success

Make a strong first impression in the first sentence of the first paragraph.  A persuasive first sentence tells the reader that you are serious and keeps them reading.  Interesting and compelling information about your candidacy should be introduced in your first paragraph.  The final paragraph is too late.

Go beyond general statements that could be true for the majority of candidates.  Common qualities or characteristics will not help you to uniquely stand out.  Trust the resume to cover the basics and use the cover letter to highlight bigger patterns of success or share an anecdote about your achievements that relates to a requirement of the position.

Tell the reader about you. Communicate your interest and motivation to apply by connecting your background and interests to your knowledge of the organization.  Avoid reporting facts.  The reader already knows his or her organization but wants to know about you and why you are applying.  This is a great opportunity to show your level of research on the position.

Use evidence to build credibility around every claim in your letter.  The reader wants to believe you and needs detailed illustrations of your past success to do so.  If you have included more than a couple of claims (two or three are sufficient) about your ability to thrive in the job, you are sacrificing depth for breadth and duplicating the work that the resume should do.  Move extra information for the cover letter to the resume to improve it and trust the resume.

Cover Letter Template

Undergraduate Cover Letter Examples

Graduate Cover Letter Examples

Writing Cover Letters

What is a cover letter? What to include in a cover letter How to organize a cover letter Questions to guide your writing How to format a cover letter Sample cover letters

What is a cover letter?

To be considered for almost any position, you will need to write a letter of application. Such a letter introduces you, explains your purpose for writing, highlights a few of your experiences or skills, and requests an opportunity to meet personally with the potential employer.

Precisely because this letter is your introduction to an employer and because first impressions count, you should take great care to write an impressive and effective letter. Remember that the letter not only tells of your accomplishments but also reveals how effectively you can communicate.

The appropriate content, format, and tone for application letters vary according to the position and the personality of the applicant. Thus, you will want to ask several people (if possible) who have had experience in obtaining jobs or in hiring in your field to critique a draft of your letter and to offer suggestions for revision.

Despite the differences in what constitutes a good application letter, the suggestions on these pages apply generally.

What to include in a cover letter

• Try to limit your letter to a single page. Be succinct.
• Assess the employer’s needs and your skills. Then try to match them in the letter in a way that will appeal to the employer’s self-interest.
• As much as possible, tailor your letter to each job opportunity. Demonstrate, if possible, some knowledge of the organization to which you are applying.
• Write in a style that is mature but clear; avoid long and intricate sentences and paragraphs; avoid jargon. Use action verbs and the active voice; convey confidence, optimism, and enthusiasm coupled with respect and professionalism.
• Show some personality, but avoid hard-sell, gimmicky, or unorthodox letters. Start fast; attract interest immediately. For more information see Business Letter Format .
• Arrange the points in a logical sequence; organize each paragraph around a main point.

How to organize a cover letter

Below is one possible way to arrange the content of your cover letter.

Opening Paragraph

State why you are writing.

Establish a point of contact (advertisement in a specific place for a specific position; a particular person’s suggestion that you write): give some brief idea of who you are (a Senior engineering student at UW; a recent Ph.D. in History).

Paragraph(s) 2(-3)

Highlight a few of the most salient points from your enclosed resume.

Arouse your reader’s curiosity by mentioning points that are likely to be important for the position you are seeking.

Show how your education and experience suit the requirements of the position, and, by elaborating on a few points from your resume, explain what you could contribute to the organization.

(Your letter should complement, not restate, your resume.)

Closing paragraph

Stress action. Politely request an interview at the employer’s convenience.

Indicate what supplementary material is being sent under separate cover and offer to provide additional information (a portfolio, a writing sample, a sample publication, a dossier, an audition tape), and explain how it can be obtained.

Thank the reader for his/her consideration and indicate that you are looking forward to hearing from him/her.

Questions to guide your writing

• Who is my audience?
• What is my objective?
• What are the objectives and needs of my audience?
• How can I best express my objective in relationship to my audience’s objectives and needs?
• What specific benefits can I offer to my audience and how can I best express them?
• What opening sentence and paragraph will grab the attention of my audience in a positive manner and invite them to read further?
• How can I maintain and heighten the interest and desire of the reader throughout the letter?
• What evidence can I present of my value to my audience?
• If a resume is enclosed with the letter, how can I best make the letter advertise the resume?
• What closing sentence or paragraph will best assure the reader of my capabilities and persuade him or her to contact me for further information?
• Is the letter my best professional effort?

*From Ronald L. Kraunich, William J. Bauis. High Impact Resumes & Letters. Virginia Beach, VA: Impact Publications, 1982.

How to format a cover letter

• Type each letter individually, or use a word processor.
• Use good quality bond paper.
• Whenever possible, address each employer by name and title.
• Each letter should be grammatically correct, properly punctuated, and perfectly spelled. It also should be immaculately clean and free of errors. Proofread carefully!
• Use conventional business correspondence form. If you are not certain of how to do this, ask for help at the Writing Center.

Sample cover letters

Looking at examples of strong cover letters is a great way to understand how this advice can become implemented. We’ve compiled and annotated a range of different kinds of cover letters from different kinds of student applicants. We encourage you to look through these letters and see some of what we’ve highlighted as working particularly well in these real world examples.

• Cover Letter Example 1. Undergraduate student applying for a restaurant hosting position.
• Cover Letter Example 2. Undergraduate sophomore applying for an internship with a non-profit, political organization.
• Cover Letter Example 3. Graduate student applying for a Project Assistant position at UW-Madison. The original job posting for this position can be found here .
• Cover Letter Example 4. A graduated student with an English literature and Spanish language double major applying to work as a law firm legal assistant.

In addition to these sample cover letters, you can find a range of other, often discipline-specific cover letter examples through these UW-Madison resources:

• SuccessWorks has developed a useful resource that features an overview of cover letters. It provides a breakdown of this genre’s main parts as well as an example cover letter and resume, all in response to an included job posting for a position with Americas Society Council of the Americas. All of this is located here .
• UW-Madison’s Law School has several wonderful examples of cover letters for law-related jobs here . These are organized according how far the applicants were into their law school careers (i.e., L1, L2, and L3).
• The Career Center for the School of Education has information about cover letters as well as sample cover letter for someone applying to be an elementary school teacher here .

Academic and Professional Writing

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A Short Guide to Close Reading for Literary Analysis

Using Literary Quotations

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Writing a Rhetorical Précis to Analyze Nonfiction Texts

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Planning and Writing a Grant Proposal: The Basics

Additional Resources for Grants and Proposal Writing

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Writing Personal Statements for Ph.D. Programs

• Before you begin: useful tips for writing your essay
• Guided brainstorming exercises
• Get more help with your essay
• Frequently Asked Questions

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Writing for Social Media: A Guide for Academics

Guide On How To Write A Cover Letter For A University

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Cover It Up

It's the time of year again; you have made a list of your selected colleges and will apply to them. You are about to apply, but one hurdle remains in your path; the dreaded cover letter. Many students still are unsure of how to write a good cover letter for a university. In this blog, we will tell you how to write a great cover letter for a university. We will discuss the basic template, tips, and things to remember while writing a university application letter. So let us not waste any time and dive straight into it.

What is a cover letter for a university, and why is it important?

Many of us thought of this question when we first encountered the need for a cover letter when applying for universities. A cover letter for a university is basically a one-page application that you submit alongside your CV or resume when applying to a university or college. Many universities ask for a cover letter nowadays since it provides the admissions officer with further detail on how your skill set aligns with the university, what you can bring to the institution and why you want a seat. It also shows the admissions officer your passion and suitability for the course. In addition, a university application letter is more personal than a resume and builds a relationship with the officer.

How to write a cover letter for a university?

Since we have discussed why a university application letter is important, let us now see how to write one. The structure and text volume of a cover letter for a university is determined by its five major features. In most circumstances, a university application letter should be no more than one page long and no more than 300 words long. However, those words must be carefully picked and stick to a well-defined structure. The five major features of a cover letter for a university are:

The officer will see the header first, which is precisely where you can wow them. The header is the only place of a university application letter where you can have some design choices instead of the entire letter being in black text boxes. It will help your letter look as good as it reads. The header usually includes your name , occupation , address , phone number and email . 

2. Greeting

The greeting line of a university application letter, also known as a salutation, is where you say your greetings. In a university application letter, don't go too inventive. A simple "Hey" is obviously ineffective. Try to learn the name of the individual to whom you should address your university application letter. People enjoy reading their names , demonstrating your attention to detail and interest in this officer, showing that you've gone out of your way to determine who is processing applications!

3. Introduction

The first paragraph of your cover letter for a university introduction should include your prestigious alma mater ( the school or college you have attended ). Another possibility is that you have experience in your field. Lead with your abilities, and aim to produce a paragraph that makes the admissions officer want to keep reading.

Unleash Your Inner Wordsmith: Grab Our Guide & Ace Your Cover Letter!

Book through amber today!

The heart of your pitch should be in the body of your cover letter for a university. Given the one-page limit, you have a lot of work to perform in a limited time. In this section, you must mention your top qualifications for the course you wish to apply for. Also, attempt to include the name of the university you're applying to and explain why you want to study there. Remind the admissions officer that you aren't merely sending out study applications to random colleges but want to study at this one.

5. Conclusion

A call to action (CTA) should be included at the end of your cover letter for a university, in which you urge that the admissions officers take some action as a result of your letter. You can state you're looking forward to hearing back, that you'd be happy to follow up with a phone call, or that you'd be honoured to be invited to an interview, either in person or remotely. Your desire to receive a response should indicate to the officer that you are serious about attending this university. You don't want to come across as desperate or overconfident, but you want to express your genuine desire.

If you need more in-depth understanding on how to write your cover letter, our ultimate guide to writing a cover letter will surely help you out!

Documents you will need while submitting your university application letter?

You will need to submit a few documents while submitting your cover letter for a university! The documents include the following:

• A CV/Resume
• Previous academic transcripts
• Portfolio (if required)
• A personal statement

You need to submit these basic documents, but it would be best if you verified the required documents on the university site! As you know, you have to submit your CV or resume alongside your cover letter. Many students still face problems while creating a good resume, don't worry; we will show you how to create your first resume !

Tips on writing your cover letter for a university

There are a few tips that can help you make a great cover letter for a university that can wow the admissions officer:

•   Try to sound more human in your letter.
• Beware of the cliches almost everyone uses, so you need to think "outside the box" for this one.
• Keep an eye on your tone and ensure it's friendly , professional , and confident , but never arrogant or condescending.
• Keep your cover letter brief ; keep it point to point so the reader doesn't get bored reading it.
•   It's a good idea to divide your introduction into the past, present, and future portions to stay organised while talking about yourself.
• Prove everything you say in your cover letter for a university by keeping the tone friendly and not arrogant! 
• Don't just list everything you have achieved since it is already in your CV! Try to mention what new things you would achieve!

University application letter format

Your university application letter must say the appropriate things and look the right way. Choose the appropriate layout and design for your cover letter, and don't waste your golden prose on a poorly designed letter that sounds wonderful but looks horrible. You must use a legible font – nothing grand or unusual. You should use a font size of 10 to 12 points, which is large enough to read but not so large that it looks like you're creating a kid's story. Use 1-inch margins on your letter's top, bottom, right, and left sides. You must include a space between paragraphs that are not indented and keep all paragraphs to a decent length. 

Things to keep in mind when writing a cover letter for a university

There are a few things to keep when writing your cover letter; these include the likes of spelling mistakes, grammar, poorly designed cover letters and much more. Here are a few things to remember:

•   Words are wasted. Irrelevant information, clichés, and fluff will clutter your page with unnecessary language. Use the limited space you have to write in your own words what makes you a good candidate.
•   One of the most typical mistakes students make is wasting their cover letter by transforming their resume into paragraph form . This repetition does not help the admissions officer assess your qualifications or persuade them that you are enthusiastic about the chance.
•   A solid cover letter might be improved by including facts about the university that you've learnt about. Learn about the university's culture and goals , and tailor your cover letter to reflect how you would be a good fit.
•  A cover letter is not the place to give bad information about your qualifications. An interview allows the admissions officer to learn about your weaknesses. Concentrate on your strengths !

These were the ways to create a good cover letter for a university. It will take you a bit of time and practice to perfect your cover letter. Once you submit your application, you might get called upon for a university interview. If the interview is going to scare you, then don't worry our blog about university interview questions will help you run that scare away. If you are going to apply to universities in the Uk, we can help you do exactly that. Our blog on applying to universities in the UK will do that.

Frequently Asked Questions

How long should a university application letter be, how do you end a cover letter for university, does a cover letter for a university improve your chances, can you be too confident in a university application letter, does a university application letter have to be perfect.

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Sample Cover Letter »

Tailoring a Cover Letter »

A cover letter is submitted with your résumé to introduce yourself to potential employers. It will be the first thing employers see when they are considering you for a position and will give them an overview of your skills and qualifications.

A cover letter should be concise. Typically they are three or four paragraphs long and never more than one page in length. Remember: You do not need to include all of your most important skills in the cover letter because that is what your résumé is for.

A personally-addressed cover letter is necessary if you want to make a good impression. Do not address your cover letter "To Whom it May Concern" because it may very well become lost in a pile of other anonymously-addressed applications. Instead, find out the name and title of the person accepting the résumés and address your cover letter accordingly.

The first paragraph should be a brief introduction that includes your name and credentials, the job title for which you are applying, and where you found the job posting. If you found the position on a job search engine, include the reference number in this paragraph. If you were referred by someone, include his or her name.

The following paragraph(s) will highlight a few key skills or assets you bring to the employer that are directly related to the position. Review the job description and incorporate the language used in the posting. Also, research the organization and tailor the letter to its specific needs, projects, mission, or other key points. Do not feel as if you need to summarize all of your skills here because a cover letter is an introduction to the employer; your résumé will provide the necessary information about your work history.

In the last paragraph, thank the employer for reviewing your résumé and request an interview. Also, be sure to include an action statement on how you will follow up with the submission of your résumé by providing a date in which you will call to inquire about your application.

Inclusion with Résumé

Always include a cover letter with your résumé! A cover letter is an essential part of the application process so be sure to prepare one for every résumé submission. Even if you know the employer or were personally asked to send in a résumé for review, include a cover letter.

In addition, your cover letter should be tailored to each specific employer and reflect the thoughtfulness and time you spent preparing it. Do not submit a generic cover letter because employers will be less-likely to take your application seriously.

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Cover letters are tailored

Cover Letters are unique to each position you are applying for and should clearly articulate the value you add to the targeted job within a one page format.

Cover Letters are deep

While your resume serves as a broad overview of your qualifications, your cover letter is a chance to go deep into 2-3 specific selling points with stories that serve as evidence to back up your claims.

Cover Letters serve as sample writing

They allow you to demonstrate your persuasive and concise communication skills.

1. Write a Cover Letter

Mohr Career Services offers a variety of resources, including the following written resources as well as the video resources embedded at the bottom of this page.

2. Get Feedback

You can get feedback on your resume in the following ways:

• Schedule an appointment with a career advisor
• Visit drop in advising (schedule at the bottom of the page)
• Submit your cover letter for online review

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Cover Letters

An effective cover letter makes a personal, memorable introduction while detailing your interest, qualification, and compatibility for the job. Rather than reiterating your resume, a cover letter brings your resume to life through stories and examples.

A successful cover letter describes your qualifications (e.g. education, experiences) most relevant to the employer based upon the job description and your knowledge of the company. Ideally, you should write a new cover letter for every job application, since the content should be specific to the needs of the job and company you're applying to.

• Cover Letter Outline and Sample pdf
• Targeting a Cover Letter Sample pdf

Do I need to include a cover letter?

Often, a cover letter is a required part of an application process.  However, even when it is optional, it is advantageous to include one. Writing a cover letter demonstrates that you are interested enough to invest extra time drafting a thoughtful letter.

What are some common cover letter mistakes to avoid?

Using a generic cover letter. Employers can usually tell when you've used the same cover letter for multiple jobs. It makes a bad first impression because it appears that you aren't interested in that specific job or don't understand what unique skills are important. Be sure to write a tailored cover letter for each position that makes strong connections between your experiences and interest in the company and their needs, challenges and/or mission.  

Failing to provide examples. Many cover letters make empty claims, asserting that the applicant is a "good communicator" or "detail-oriented." Unfortunately, employers say that these claims usually are not believed and have become common clichés. To make your claims more powerful, add an example or proof to each skill you mention. For example, you might write, "I am very detail-oriented, a skill that I honed while completing detailed inventory sheets working in a grocery store".

Restating the resume. Often, cover letters will fall into the trap of reiterating the facts of the resume — "I worked at Company X for 2 years where I was a cashier. Then, I worked at Company Y in 2018." Instead of repeating the resume, a good cover letter should draw connections between your skills and experiences, and how these connect to the company's needs. For example, a cover letter statement could be "As a shift manager at Jimmy John's, I enjoyed training and coaching new employees to be successful within the team, a skill that I know would be helpful working as a team leader within your organization."

*For example cover letters, see our sample documents above

Cover letter vs. letter of qualification — what's the difference?

• Cover letters are typically one page and briefly elaborate qualifications, interest and fit for the job.
• A letter of qualification is similar to a cover letter but addresses every qualification in the job description. It is often longer than one page. Download letter of qualification example (PDF) .

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How To Write a Cover Letter With Examples

Cover letters can help differentiate you from other job applicants and be the determining factor of landing your dream job. By taking the time to craft a custom cover letter, a single sheet of paper can help communicate all the human elements that a resume may fall short of capturing about yourself. 

But what do employers and recruiters have to say about how to write a cover letter? What are the best tips they have to offer for graduate students who are writing a cover letter?

We asked 11 employers for their best cover letter tips. Here is what they had to share.

Let it Set the Stage

In many ways, cover letters should provide background information and context to your resume, while simultaneously addressing how that resume addresses the specific requirements of the job opportunity. The cover letter is your opportunity to "set the stage" and to convince the hiring manager why your specific set of skills, experiences and interests will provide value to their team and its objectives.

Andrew Horrigan '11 BSBA (Management Information Systems), Product Manager at Cisco

Research the Hiring Manager

If possible, find out who the hiring manager is and look them up on LinkedIn. Do your research on the company you're applying for. What's their mission statement and how do they portray their company culture? Hopefully what you're looking for in a job is reflected by those things. Make sure the hiring manager knows that and understands who you are and what drives you. A resume is often about as robotic as things can be. Make sure your cover letter is the opposite—personalize it and let yourself shine through.

Joshua Schlag ’05 BS (Computer Science) ’11 MBA, Digital Marketing Manager at Pyramid Analytics

Utilize Career Development Resources

The University of Arizona and Eller College of Management go to great lengths to make sure students are prepared for their impending career journey. Because cover letters are so important to getting your foot in the door, there are several career development resources online and on campus to take advantage of. The university’s cover letter builder serves as a nice template to get started. And of course, it never hurts to make an appointment with an Eller Career Coach through eSMS to have a professional review your letter before submission. 

Brett Farmiloe, ’06 BSBA (Accounting), Founder, Featured

Discover Past Samples of the Position

Do your research on the company and personalize your cover letter to the role for which you are applying. Don't be afraid to Google, "How to write a good cover letter for X position." Seriously, it helps! There is so much information out there from various perspectives—applicants, hiring managers, etc. Most importantly be yourself and let your personality come through. And don't forget to spell check!

Mariam Nikola '17 MS MIS, Consultant at Point B

Highlight Your Soft Skills

When writing a professional cover letter, there are a couple things you can do to set yourself apart from the pack. First, make sure you tailor your letter to the specific position you are applying for. This should not be a general, "one size fits all" letter—be sure to discuss specific details surrounding the role or the company itself. Secondly, this is an opportunity for you to show a little bit of your personality. Obviously, you want to remain professional, but this is a great time to highlight some of your soft skills that might not be fully conveyed through your resume.  

Brian Ellis ’17 BSBA (Management), Staffing Manager at Randstad Office and Administrative Professionals

Fill in the “Why” Gaps

As a talent advisor, I review a lot of applicants and agree that a cover letter can be a great way to stand apart, if it is done correctly. A great cover letter for me covers the ‘why’ that I cannot understand from just a resume alone. It should clearly state why you are interested in the role, what your goals are for utilizing your graduate degree (if recently graduated) and explain any career pivots reflected on your resume. If you answer those questions in a direct, concise manner it will add value to your application.

Monica Larson , ’11 BSBA (Marketing) ‘20 MBA, Talent Advisor

Tell Your Story

A cover letter is your opportunity to tell your story—tying your experience and personal interests into why you want a position and why you are the best candidate for it. Paint the picture of your journey and what about the position excites you personally and professionally. Similar to your resume, keep it short and sweet. No need to repeat what’s already on your resume. Recruiters and hiring managers don’t have time to comb through a novel, so you need to engage them with as few words as possible while also grabbing their attention.

Kelly Castoro, ’06 BA (Spanish, Portuguese), Project Manager at Squarespace

Tailor Each Cover Letter to the Position You Are Applying

Be sure to research the role and customize your cover letter for each position, relating your experience to the particular role you are applying for. Personalization is key—research who you are sending the cover letter to and address the letter to them directly. End your letter with a call to action, stating you will follow up by phone or email if you haven’t heard from anyone. Follow ups are very important! 

Jessica Rosenzweig, ’15 BSBA (Business Management), Account Manager at PeopleWare Staffing

Communicate Bankability and Personality 

Your cover letter answers two crucial questions; are you bankable and are you someone the company will enjoy working with? Communicate bankability with your knowledge of the company, industry and why your skills, capabilities and interests are a great fit. Share your passion for their mission, culture, brand—whatever excites you about becoming a member of their team.  

When conveyed through a concise, well-formulated, well-worded cover letter, you demonstrate the ability to write an effective business case—communicating that you are a ready professional and worthy teammate who will hit the ground running.

Theresa L Garcia, ’83 BSBA (Human Resources), Senior Change Management and Organization Capability Consultant at Boeing

Keep it Concise but Compelling

A cover letter is your chance to speak directly to the hiring team and tell them why you are not only the best match for the position for which you are applying but also give them additional insight into yourself as an individual that is less visible from your experience.

A great cover letter should be attention grabbing and touch upon the qualities that make you stand out from others in the applicant pool, highlight both your recent and most distinguished accomplishments and drive home why you are the right person for the job. Professionalism is always important, but don’t be hesitant to put your voice into the letter to let your personality shine through. Research the company, understand where they currently are, where they are going and show why you are the right person to get them from point A to point B. Recruiters spend a lot of time reviewing applicants and making yourself stand apart from the crowd is key. Keep it concise but compelling!

Matt Reineberg, ’14 BSBA (Marketing), Senior Talent Acquisition Sourcer at Cox Enterprises

Highlight the “Why”

Why are you applying to this company? Why do you want this position? Your cover letter should aim to answer the why behind applying for the job. Conveying an interest and excitement for working specifically for this job at this company, rather than a desire to get any job anywhere that will give you money, can go a long way. Show the company that they should hire you and your passion over someone that might have the skills needed for the job, but doesn’t care about the work as much as you do. 

Ryan Nouis, Trupath 

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Cover Letters

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Introduction

These resources will help you understand and write successful cover letters. To use these pages, you may select links in the navigation bar on the left, you may select links from the list below, or you may advance through the pages using the links at the bottom of each page. Click here to download the PDF file containing sample résumés and employment letters. The cover letter pages are organized into the following sections:

• What is a cover letter?
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• What should I do if I'm a transitioning automotive industry worker?
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• What should I do if I have been incarcerated?
• What should my cover letter look like?
• What should my cover letter accomplish?
• What should I do before I start writing?
• What are the sections I should include in my letter?
• Introductions
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• How should I follow up on my cover letter and résumé?

More From Forbes

5 steps to negotiate more financial aid.

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Colleges have continued to raise their prices year after year. In the past 20 years, in-state tuition at public universities has increased by an astounding 158 %. The cost of attending a university is one of the many factors students are considering when making their college choice. As May 1, "decision day," draws near, students should evaluate their financial aid offers with the cost of attendance to determine feasibility. With no relief in sight from rising tuition costs, students and their families might be wondering how they can get more financial aid from schools. Here are five steps students should follow to negotiate for more financial aid.

College has become increasingly expensive but there are ways you can potentially reduce the tuition ... [+] bill.

Step 1: Access Changes In Your Financial Situation

When schools initially send out their aid offers, they often use a formula to evaluate the family's ability to pay for college. Of course, a standardized system will always have flaws, giving the student wiggle room to negotiate with the college.

To negotiate successfully, students must prove their need is more significant than indicated on the FAFSA (Free Application for Federal Student Aid) or the CSS Profile. When families fill out these forms, the information collected is based on two-year-old tax and income information. Many things might have changed since then, and these forms often don’t address those unique financial circumstances that families might find themselves in.

For example, families might have recently experienced high healthcare expenses, job loss or change in compensation, care for an elderly grandparent or a child with disabilities, natural disaster, change in marital status or family size, unusual capital gains, the loss of child support or Social Security benefits for a child, or many other factors. All of these factors and more can play a role in changing how much aid a family should get.

Step 2: Gather Relevant Documents

Once the family has accessed what has changed in their financial situation, the next step is to gather any necessary documentation to help demonstrate the changes or special circumstances. Make copies of any documents and include them in the appeal.

Best High-Yield Savings Accounts Of 2024

Best 5% interest savings accounts of 2024, step 3: compare other aid offers from comparable colleges.

The next step is to look at the other financial aid offers received. If another university offers a student a substantial amount, they can use that in negotiations with their top choice university. However, only compare similar schools—a financial aid offer from a private university isn't comparable to an offer of financial assistance from a public university.

Step 4: Write A Letter Appealing For More Aid

The student is encouraged to be the one to contact the financial aid office. Colleges like to see the student take ownership of the application journey, and it might be better received if the student is the one to write it.

In the letter, clearly state what has changed and why more aid is necessary to be able to attend college. This letter shouldn't be more than 1-2 pages—the student doesn't need to include their entire life story, but it should continue with the relevant documents to prove that more aid is necessary.

The tone of the letter should remain courteous—remember, the financial aid officers do want to help students get more aid, but sometimes, they can't help more. Remaining polite in the initial letter and any further correspondence can help make a better impression.

Before writing and sending the letter, check with the institution on how they want to receive the letter. There might be a particular form that should go with the letter or be in a certain format. Following instructions can help improve the chances of getting more funds.

Step 5: Wait To Pay The Deposit

Students can appeal for aid at any point if their financial situation changes, including after the May 1 deadline. However, it might help if they wait to submit their enrollment deposit until they have written the appeal letter. It would also give students the chance to weigh all of their options more fully once they have the final decision from the financial aid office.

What Won't Work

• Making appeals based on academic merit. When trying to bargain for more financial aid, one thing that isn't considered is the student's academic achievements. If a student's grades or test scores have improved, which might mean they can qualify for a better merit-based scholarship, the student should contact the admissions office.
• Comparing a financial aid offer from a dissimilar institution. On average, the cost for a private college in 2021-2022 was $38,185, whereas public school attendees paid $10,338 in-state tuition or $22,698 out-of-state tuition. Because of the higher sticker price, a student's overall scholarship at a private institution tends to be higher. However, because the overall cost of attendance isn't the same for private vs. public schools, students shouldn't use a financial aid offer from Drexel University to negotiate with the University of Michigan.
• Harassing the financial aid office to get a response. Colleges are not obligated to give more money, regardless of the family's financial situation. Therefore, students and parents should respect the financial aid officers' time.

This financial aid letter can be worth thousands of dollars. Even if your appeal for more aid fails, your offer of acceptance is not in jeopardy. Do your research, prepare the documents, and write the letter to make your dream school more attainable.

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Time to rethink retirement.

When my mom passed away in 2012, my dad started to decline quickly, and my brother and I had to go through my parents’ bills and finances.

Both my mom and dad worked great jobs for 50 years, but they were never in the top tax bracket. My mom taught English at the local state college (Cal Northridge), and my dad owned a shoe store.

I don’t know exactly how much they made every year, but in today’s dollars, it was probably not more than $150,000 as a couple. So, my brother and I were surprised when we saw the size of our parents' retirement savings. It was an order of magnitude bigger than you’d expect for a couple making their income. And when we finished going over their estate, we learned why: My parents' investments.

My dad had always been an enthusiastic investor. He encouraged me to buy my first stock (the DuPont chemical company) as a teenager. My dad invested because he knew that whatever money he put in the bond or stock markets would likely grow faster than in the bank. And he was right.

I went back and did the math. If my parents had $1,000 to invest in 1960, and they put that money in the S&P 500, then by the time they’d reached retirement age in 1990, the $1,000 would be worth nearly $20,000. 1 That’s more than double what they would have earned if they’d just put the money in a bank account. My dad passed away a few months after my mom, in his late 80s. But both my parents could have lived beyond 100 and comfortably afforded it.

Why am I writing about my parents? Because going over their finances showed me something about my own career in finance. I had been working at BlackRock for almost 25 years by the time I lost my mom and dad, but the experience reminded me — in a new and very personal way — why my business partners and I founded BlackRock in the first place.

Obviously, we were ambitious entrepreneurs, and we wanted to build a big, successful company. But we also wanted to help people retire like my parents did. That’s why we started an asset manager — a company that helps people invest in the capital markets — because we believed participating in those markets was going to be crucial for people who wanted to retire comfortably and financially secure.

We also believed the capital markets would become a bigger and bigger part of the global economy. If more people could invest in the capital markets, it would create a virtuous economic cycle, fueling growth for companies and countries, which would, in turn, generate wealth for millions more people.

My parents lived their final years with dignity and financial freedom. Most people don’t have that chance. But they can. The same kinds of markets that helped my parents in their time can help others in our time.  Indeed, I think the growth- and prosperity-generating power of the   capital markets will remain a dominant economic trend through the rest of the 21 st  Century.

This letter attempts to explain why.

I had been working at BlackRock for almost 25 years by the time I lost my mom and dad, but the experience reminded me — in a new and very personal way — why my business partners and I founded BlackRock in the first place.

A brief (and admittedly incomplete) history of U.S. capital markets

In finance, there are two basic ways to get or grow money.

One is the bank, which is what most people historically relied on. They deposited their savings to earn interest or took out loans to buy a home or expand their business. But over time a second avenue for financing arose, particularly in the U.S., with the growth of the capital markets: Publicly traded stocks, bonds, and other securities.

I saw this firsthand in the late 1970s and early 1980s when I played a role in the creation of the securitization market for mortgages.

Before the 1970s, most people secured financing for their homes the same way they did in the Christmas classic It’s a Wonderful Life — through the Building & Loan (B&L). Customers deposited their savings into the B&L, which was essentially a bank. Then that bank would turn around and lend out those savings in the form of mortgages.

In the movie — and in real life — everything works fine until people start lining up at the bank’s front door asking for their deposits back. As Jimmy Stewart explained in the film, the bank didn’t have their money. It was tied up in somebody else’s house.

After the Great Depression, B&Ls morphed into savings & loans (S&Ls), which had their own crisis in the 1980s. Approximately half of the outstanding home mortgages in the U.S. were held by S&Ls in 1980, and poor risk management and loose lending practices led to a raft of failures costing U.S. taxpayers more than $100 billion dollars. 2

But the S&L crisis didn’t cause the American economy lasting damage. Why? Because at the same time the S&Ls were collapsing another method of financing was getting stronger. The capital markets were providing an avenue to channel capital back to challenged real estate markets.

This was mortgage securitization.

Securitization allowed banks not just to make mortgages but to sell them. By selling mortgages, banks could better manage risk on their balance sheets and have capital to lend to home buyers, which is why the S&L crisis didn’t severely impact American homeownership. 

Eventually, the excesses of mortgage securitization contributed to the crash in 2008, and unlike the S&L crisis, the Great Recession did harm home ownership in the U.S. The country still hasn’t fully recovered in that respect. But the broader underlying trend — the expansion of the capital markets — was still very helpful for the American economy.

In fact, it’s worth considering: Why did the U.S. rebound from 2008 faster than almost any other developed nation? 3

A big part of the answer is the country’s capital markets .

In Europe, where most assets were kept in banks, economies froze as banks were forced to shrink their balance sheets. Of course, U.S. banks had to tighten capital standards and pull back from lending as well. But because the U.S. had a more robust secondary pool of money – the capital markets — the nation was able to recover much more quickly.

Today public equities and bonds provide over 70% of financing for non-financial corporations in the U.S. – more than any other country in the world. In China, for example, the bank-to-capital market ratio is almost flipped. Chinese companies rely on bank loans for 65% of their financing. 4

In my opinion, this is the most important lesson in recent economic history:  Countries aiming for prosperity don’t just need strong banking systems — they also need strong capital markets.

That lesson is now spreading around the world.

Replicating the success of America’s capital markets

Last year, I spent a lot of days on the road, logging visits to 17 different countries. I met with clients and employees. I also met with many policymakers and heads of state, and during those meetings, the most frequent conversation I had was about the capital markets.

More and more countries recognize the power of American capital markets and want to build their own.

Of course, many countries do have capital markets already. There are something like 80 stock exchanges around the world, everywhere from Kuala Lumpur to Johannesburg. 5  But most of these are rather small, with little investment. They’re not as robust as the markets in the U.S., and that’s what other nations are increasingly looking for.

In Saudi Arabia, for example, the government is interested in building a market for mortgage securitization, while Japan and India want to give people new places to put their savings. Today, in Japan, it’s mostly the bank. In India, it’s often in gold.

When I visited India in November, I met policymakers who lamented their fellow citizens’ fondness for gold. The commodity has underperformed the Indian stock market, proving a subpar investment for individual investors. Nor has investing in gold helped the country’s economy.

Compare investing in gold with, let’s say, investing in a new house. When you buy a home, that creates an economic multiplier effect because you need to furnish and repair the house. Maybe you have a family and fill the house with children. All that generates economic activity. Even when someone puts their money in a bank, there’s a multiplier effect because the bank can use that money to fund a mortgage. But gold? It just sits in a safe. It can be a good store of value, but gold doesn’t generate economic growth.

This is a small illustration — but a good one — of what countries want to accomplish with robust capital markets. (Or rather, of what they  can’t accomplish without them.)

Despite the anti-capitalist strain in our modern politics, most world leaders still see the obvious: No other force can lift more people from poverty or improve quality of life quite like capitalism. No other economic model can help us achieve our highest hopes for financial freedom — whether we want it for ourselves or our country.

That’s why the capital markets will be key to addressing two of the mid-21 st Century’s biggest economic challenges.

• The first is providing people what my parents built over time — a secure, well-earned retirement. This is a much harder proposition than it was 30 years ago. And it’ll be a much harder proposition 30 years from now . People are living longer lives. They’ll need more money. The capital markets can provide it — so long as governments and companies help people invest.
• A second challenge is infrastructure. How are we going to build the massive amount the world needs? As countries decarbonize and digitize their economies, they’re supercharging demand for all sorts of infrastructure, from telecom networks to new ways to generate power. In fact, in my nearly 50 years in finance, I’ve never seen more demand for energy infrastructure. And that’s because many countries have twin aims: They want to transition to lower-carbon sources of power while also achieving energy security. The capital markets can help countries meet their energy goals, including decarbonization, in an affordable way.

[Retirement] is a much harder proposition than it was 30 years ago. And it’ll be a much harder proposition 30 years from now .

Asking the old age question: How do we afford longer lives?

Last year, Japan passed a demographic milestone. The country’s population has been aging since the early 1990s as the pool of working-age people has shrunk and the number of elderly has risen. But 2023 was the first time that 10% of their people exceeded 80 years old, 6 making Japan the “oldest country in the world” according to the United Nations. 7

This is part of the reason the Japanese government is making a push for retirement investment.

Most Japanese keep the bulk of their retirement savings in banks, earning a low interest rate. It wasn’t such a bad strategy when Japan was suffering from deflation, but now the country’s economy has turned around, with the NIKKEI surging past 40,000 for the first time this month (March 2024). 8

Most aspiring retirees are missing out on the upswing. The country didn’t have anything resembling a 401(k) program until 2001, but even then, the amount of income people could contribute was quite low. So a decade ago, the government launched the Nippon Individual Savings Accounts (NISA) to encourage people to invest even more in retirement. Now they’re trying to double NISA’s enrollment. The goal is 34 million Japanese investors before the end of the decade. 9 It will require the Japanese government to expand their capital markets, which historically had very little retail participation.

Japan isn’t alone in helping more of its citizens invest for retirement. BlackRock has a joint venture — Jio BlackRock — with Jio Financial Services, an affiliate of India’s Reliance Industries. Over the past 10 years, India has built a huge digital public infrastructure network that connects nearly one billion Indians to everything from healthcare to government payments via their smartphones. Jio BlackRock’s goal is to use the same infrastructure to deliver retirement investing (and more).

After all, India is aging, too. The whole world is, albeit at different speeds. Brazil will start seeing more people leave its workforce than enter it by 2035; Mexico will reach peak workforce by 2040; India sometime around 2050.

As populations age, building retirement savings has never been more urgent

Source: Working-age population (ages 15-64): UN “medium trend 10

By the mid-century mark, one-in-six people globally will be over the age of 65, up from one-in-11 in 2019. 11 To support them, governments are going to have to prioritize building out robust capital markets like the U.S. has.

But this isn’t to say the U.S. retirement system is perfect. I’m not sure anybody believes that. The retirement system in America needs modernizing, at the very least.

Rethinking retirement in the United States

This was particularly clear last year as the biotech industry pumped out a rush of new, life-extending drugs. Obesity, for example, can take more than 10 years off someone’s life expectancy, which is why some researchers think that new pharmaceuticals like Ozempic and Wegovy can be life-extending drugs, not just weight-loss drugs. 12 In fact, a recent study shows that semaglutide, the generic name for Ozempic, can give people with cardiovascular disease an extra two years of life where they don’t suffer a major condition like a heart attack. 13

We focus a tremendous amount of energy on helping people live longer lives. But not even a fraction of that effort is spent helping people afford those extra years.

These drugs are breakthroughs. But they underscore a frustrating irony: As a society, we focus a tremendous amount of energy on helping people live longer lives. But not even a fraction of that effort is spent helping people afford those extra years.

It wasn’t always this way. One reason my parents had a financially secure retirement was CalPERS, California’s state pension system. As a public university employee, my mom could enroll. But pension enrollment has been declining across the country since the 1980s. 14 Meanwhile the federal government has prioritized maintaining entitlement benefits for people my age (I’m 71) even though it might mean that Social Security will struggle to meet its full obligations when younger workers retire.

It’s no wonder younger generations, Millennials and Gen Z, are so economically anxious. They believe my generation — the Baby Boomers — have focused on their own financial well-being to the detriment of who comes next. And in the case of retirement, they’re right.

Today in America, the retirement message that the government and companies tell their workers is effectively: “You’re on your own.” And before my generation fully disappears from positions of corporate and political leadership, we have an obligation to change that.

Maybe once a decade, the U.S. faces a problem so big and urgent that government and corporate leaders stop business as usual. They step out of their silos and sit around the same table to find a solution. I participated in something like this after 2008, when the government needed to find a way to unwind the toxic assets from the mortgage crisis. More recently, tech CEOs and the federal government came together to address the fragility of America’s semiconductor supply chain. We need to do something similar for the retirement crisis. America needs an organized, high-level effort to ensure that future generations can live out their final years with dignity.

What should that national effort do? I don’t have all the answers. But what I do have is some data and the beginnings of a few ideas from BlackRock’s work. Because our core business is retirement.

More than half the assets BlackRock manages are for retirement. 15 We help about 35 million Americans invest for life after work, 16 which amounts to about a quarter of the country’s workers. 17 Many are educators like my mom was. BlackRock helps manage pension assets for roughly half of U.S. public school teachers. 18 And this work — and our similar work around the globe — has given us some insight into how a national initiative to modernize retirement might begin.

We think the conversation starts by looking at the challenge through three different lenses. 

• What’s the issue from the perspective of a current worker , someone who’s still trying to save for retirement?
• What about someone who has already retired? We have to look at the problem from the retiree’s point of view­­­­­­­­­­ — an individual who has already saved enough to stop working but is worried the money will run out.
• But first it’s important to look at retirement in America like you’d look at a map of America — a high-level picture of the problem, the kind a national policymaker might look at. What’s the issue for the population as a whole? (It’s demographics.)

[Young people] believe my generation — the Baby Boomers — have focused on their own financial well-being to the detriment of who comes next. And in the case of retirement, they’re right.

The demographics don’t lie

There’s a popular saying in economics: “You just can’t fight demographics.” And yet, when it comes to retirement, the U.S. is trying anyway.

In wealthy countries, most retirement systems have three pillars. One is what people invest personally (my dad putting his money in the stock market). Another is the plans provided by employers (my mom’s CalPERS pension). A third component is what we hear politicians mostly talking about – the government safety net. In the U.S., this is Social Security.

You’re probably familiar with the economics behind Social Security. During your working years, the government takes a portion of your income, then after you retire, it sends you a check every month. The idea actually originates from pre-World War I Germany, and these “old-age insurance” programs gradually became popular over the 20 th Century largely because the demographics made sense.

Think about someone who was 65 years old in 1952, the year I was born. If he hadn’t retired already, that person was probably getting ready to stop working.

But now think about that person’s former colleagues, all the people around his age who he’d entered the workforce with back in the 1910s. The data shows that in 1952, most of those people were not preparing for retirement because they’d already passed away .

This is how the Social Security program functioned: More than half the people who worked and paid into the system never lived to retire and be paid from the system. 19

Today, these demographics have completely unraveled, and this unraveling is obviously a wonderful thing. We should want more people to live more years. But we can’t overlook the massive impact on the country’s retirement system.

It’s not just that more people are retiring in America; it’s also that their retirements are increasing in length. Today, if you’re married and both you and your spouse are over the age of 65, there’s a 50/50 chance at least one of you will be receiving a Social Security check until you’re 90. 20

All this is putting the U.S. retirement system under immense strain. The Social Security Administration itself says that by 2034, it won’t be able to pay people their full benefits. 21

What’s the solution here? No one should have to work longer than they want to. But I do think it’s a bit crazy that our anchor idea for the right retirement age — 65 years old — originates from the time of the Ottoman Empire.

Humanity has changed over the past 120 years. So must our conception of retirement.

One nation that’s rethought retirement is the Netherlands. In order to keep their state pension affordable, the Dutch decided more than 10 years ago to gradually raise the retirement age. It will now automatically adjust as the country’s life expectancy changes. 22

Obviously, implementing this policy elsewhere would be a massive political undertaking. But my point is that we should start having the conversation . When people are regularly living past 90, what should the average retirement age be?

Or rather than pushing back when people receive retirement benefits, perhaps there’s a more politically palatable idea: How do we encourage more people who wish to work longer with carrots rather than sticks? What if the government and the private sector treated 60-plus year-olds as late-career workers with much to offer rather than people who should retire?

One way Japan has managed its aging economy is by doing exactly this. They’ve found new ways to boost the labor force participation rate, a metric that has been declining in the U.S. since the early 2000s. 23 It’s worth asking: How can America stop (or at least, slow) that trend?

Again, I’m not pretending to have the answers. Despite BlackRock’s success helping millions retire, these questions are going to have to be posed to a broader range of investors, retirees, policymakers, and others. Over the next few months, BlackRock will be announcing a series of partnerships and initiatives to do just that, and I invite you to join us.

For workers, make investing (almost) automatic

When the U.S. Census Bureau released its regular survey of consumer finances in 2022, nearly half of Americans aged 55 to 65 reported not having a single dollar saved in personal retirement accounts. 24 Nothing in a pension. Zero in an IRA or 401(k).

Why? Well, the first barrier to retirement investing is affordability.

Four-in-10 Americans don’t have $400 to spare to cover an emergency like a car repair or hospital visit. 25 Who is going to invest money for a retirement 30 years away if they don’t have cash for today? No one. That’s why BlackRock’s foundation has worked with a group of nonprofits to set up an Emergency Savings Initiative. The program has helped mostly low-income Americans put away a total of $2 billion in new liquid savings. 26

Studies show that when people have emergency savings, they’re 70% more likely to invest for retirement. 27 But this is where workers run into another barrier: Investing is complex even if you can afford it.

No one is born a natural investor. It’s important to say that because sometimes in the financial services industry we imply the opposite. We make it seem like saving for retirement can be a simple task, something anyone can do with a bit of practice, like driving your car to work. Just grab your keys and hop in the driver’s seat. But financing retirement isn’t so intuitive. The better analogy is if someone dropped a bunch of engine and auto parts in your driveway and said, “Figure it out.”

At BlackRock, we’ve tried to make the investing process more intuitive by inventing simpler products like target date funds. They only require people to make one decision: What year do they expect to retire? Once people choose their “target date,” the fund automatically adjusts their portfolio, shifting from higher-return equities to less risky bonds as retirement approaches. 28

In 2023, BlackRock expanded the types of target date ETFs we offer so people can more easily buy them even if they don’t work for employers offering a retirement plan. There are 57 million people like this in America — farmers, gig workers, restaurant employees, independent contractors — who don’t have access to a defined contribution plan. 29 And while better investment products can help, there are limits to what something like a target date fund can do. Indeed, for most people, the data shows that the hardest part of retirement investing is just getting started.

Other nations make things simpler for their part-time and contract workers. In Australia, employers must contribute a portion of income for every worker between the ages of 18 and 70 into a retirement account, which then belongs to the employee. The Superannuation Guarantee was introduced in 1992 when the country seemed like it was on the path to a retirement crisis. Thirty-two years later, Australians likely have more retirement savings per capita than any other country. The nation has the world’s 54 th largest population, 30 but the 4 th largest retirement system. 31

Of course, every country is different, so every retirement system should be different. But Australia’s experience with Supers could be a good model for American policymakers to study and build on. Some already are. There are about 20 U.S. states — like Colorado and Virginia — that have instituted retirement systems to cover all workers like Australia does, even if they’re gig or part-time. 32

It’s a good thing that legislators are proposing different bills and states are becoming “laboratories of retirement.” More should consider it. The benefits could be enormous for individual retirees. These new programs could also help the U.S. ensure the long-term solvency of Social Security. That’s what Australia found — their Superannuation Guarantee relieved the financial tension in their country’s public pension program. 33

But what about workers who do have access to an employer retirement plan? They need support too.

Even among employees who have access to employer plans, 17% don’t enroll in them, and the hypothesis among retirement experts is this is not a conscious choice. People are just busy.

It sounds trivial, but even the hour or so it takes someone to look through their work email inbox for the correct link to their company’s retirement system, and then select the percentage of their income they want to contribute can be the unclearable hurdle. That’s why companies should make a conscious effort to look at what their default option is. Are people automatically enrolled in a plan or not? And how much are they auto-enrolled to contribute? Is it a minimum percentage of their income? Or the maximum?

In 2017, the University of Chicago economist Richard Thaler won the Nobel Prize, in part, for his pioneering work around “nudges” — small changes in policy that can have enormous impact in people’s financial lives. Auto-enrollment is one of them. Studies show that the simple step of making enrollment automatic increases retirement plan participation by nearly 50%. 34

As a nation, we should do everything we can to make retirement investing more automatic for workers. And there are already bright spots. Next year, a new federal law will kick in, requiring employers that set up new 401(k) plans to auto-enroll their new workers. Plus, there are hundreds of major companies (including BlackRock) that have already taken this step voluntarily.

But firms can do even more to improve their employee’s financial lives, such as providing some level of matching funds for retirement plans and offering more financial education on the tremendous long-term difference between contributing a small percentage of your income to retirement versus the maximum. I also think we should make it easier for workers to transfer their 401(k) savings when they switch jobs. There is a menu of options here, and we need to explore all of them.

For retirees, help them spend what they saved

In 2018, BlackRock commissioned a study of 1,150 American retirees. When we dug into the data, we found something unexpected — even paradoxical.

The survey showed that after nearly two decades of retirement, the average person still had 80% of their pre-retirement money saved. We’re talking about people who were probably between the ages of 75 and 95. If they had invested for retirement, they were likely sitting on more than enough money for the rest of their lives. And yet the data also showed that they were anxious about their finances. Only 32% reported feeling comfortable about spending what they saved. 35

This retirement paradox has a simple explanation: Even people who know how to save for retirement still don’t know how to spend for it.

In the U.S., this problem’s roots stretch back more than four decades when employers began switching from defined benefit plans — pensions — to defined contribution plans like 401(k)s.

In a lot of ways, pensions were much simpler than the 401(k). You had a job somewhere for 20 or 30 years. Then when you retired, your pension paid you a set amount — a defined benefit — every month.

When I entered the workforce in the 1970s, 38% of Americans had one of these defined benefit plans, but by 2008 the percentage had been cut almost in half. 36 Meanwhile, the fraction of Americans with defined contribution plans almost quadrupled. 37

This should have been a good thing. Beginning with the Baby Boomers, fewer and fewer workers spent their entire careers in one place, meaning they needed a retirement option that would follow them from job to job. In theory, 401(k)s did that. But in practice? Not really.

Anyone who’s switched jobs knows how unintuitive it is to transfer your retirement savings. In fact, studies show that about 40% of employees cash out their 401(k)s when they switch jobs, putting themselves back at the starting line for retirement savings. 38

The real drawback of defined contribution was that it removed most of the retirement responsibility from employers and put it squarely on the shoulders of the employees themselves. With pensions, companies had a very clear obligation to their workers. Their retirement money was a financial liability on the corporate balance sheet. Companies knew they’d have to write a check every month to each one of their retirees. But defined contribution plans ended that, forcing retirees to trade a steady stream of income for an impossible math problem.

Because most defined contribution accounts don’t come with instructions for how much you can take out every month, individual savers first must build up a nest-egg, then spend down at a rate that will last them the rest of their lives. But who really knows how long that will be?

Put simply, the shift from defined benefit to defined contribution has been, for most people, a shift from financial certainty to financial un certainty .

That’s why around the same time we saw the data that retirees were nervous about spending their savings, we started wondering: Was there something we can do about it? Could we develop an investment strategy that provided the flexibility of a 401(k) investment but also the potential for a predictable, paycheck-like income stream, similar to a pension?

It turns out, we could. That strategy is called LifePath Paycheck™, which will go live in April. As I write this, 14 retirement plan sponsors are planning to make LifePath Paycheck™ available to 500,000 employees. I believe it will one day be the most used investment strategy in defined contribution plans.

We’re talking about a revolution in retirement. And while it may happen in the U.S. first, eventually other countries will benefit from the innovation as well. At least, that is my hope. Because while retirement is mainly a saving challenge, the data is clear: It’s a spending one too.

Fear vs. hope

Before I conclude this section on retirement, I want to share a few words about one of the largest barriers to investing for the future. In my view, it’s not just affordability or complexity or the fact that people are too busy to enroll in their employer’s plan.

Arguably the biggest barrier to investing for retirement — or for anything — is fear.

In finance, we sometimes think of “fear” as a fuzzy, emotional concept — not as a hard economic data point. But that’s what it is. Fear is as important and actionable a metric as GDP. After all, investment (or lack thereof) is just a measure of fear because no one lets their money sit in a stock or a bond for 30 or 40 years if they’re afraid the future is going to be worse than the present. That’s when they put their money in a bank. Or underneath the mattress.

This is what happens in many countries. In China, where new surveys show consumer confidence has dropped to its lowest level in decades, household savings have reached their highest level on record — nearly $20 trillion — according to the central bank. 39 China has a savings rate of about 30%. Nearly a third of all money earned is socked away in cash in case it’s needed for harder times ahead. The U.S., by comparison, has a savings rate in the single digits. 40

America has rarely been a fearful country. Hope has been the nation’s greatest economic asset. People put their money in American markets for the same reason they invest in their homes and businesses — because they believe this country will be better tomorrow than it is today.

This big, hopeful America has been the one I’ve known my whole life, but over the past few years, especially as I’ve had more grandchildren, I’ve started to ask myself: Will they know this version of America, too?

As I was finishing this letter, The Wall Street Journal published an article that caught my attention. It was titled “The Rough Years that Turned Gen Z into America’s Most Disillusioned Voters,” and it included some eye-catching — and really disheartening — data.

The article showed that from the mid-1990s through most of the early 21 st Century, most young people — around 60% of high school seniors, to be specific — believed they’d earn a professional degree, would land a good job, and go on to be wealthier than their parents. They were optimistic. But since the pandemic, that optimism has fallen precipitously.

Compared with 20 years ago, the current cohort of young Americans is 50% more likely to question whether life has a purpose. Four-in-10 say it’s “hard to have hope for the world.” 41

I’ve been working in finance for almost 50 years. I’ve seen a lot of numbers. But no single data point has ever concerned me more than this one.

The lack of hope worries me as a CEO. It worries me as a grandfather. But most of all, it worries me as an American.

If future generations don’t feel hopeful about this country and their future in it, then the U.S. doesn’t only lose the force that makes people want to invest. America will lose what makes it America. Without hope, we risk becoming just another place where people look at the incentive structure before them and decide that the safe choice is the only choice. We risk becoming a country where people keep their money under the mattress and their dreams bottled up in their bedroom.

How do we get our hope back?

Whether we’re trying to solve retirement or any other problem, that is the first question we have to ask, although I readily admit that I do not have the solution. I look at the state of America — and the world — and I am as answerless as everyone else. There’s so much anger and division, and I often struggle to wrap my head around it.

What I do know is that any answer has to start by bringing young people into the fold. The same surveys that show their lack of hope also show their lack of confidence — far less than any previous generation — in every pillar of society: In politics, government, the media, and in corporations. Leaders of these institutions (I am one) should be empathetic to their concerns.

Young people have lost trust in older generations. The burden is on us to get it back. And maybe investing for their long-term goals, including retirement, isn’t such a bad place to begin.

Perhaps the best way to start building hope is by telling young people, “You may not feel very hopeful about your future. But we do. And we’re going to help you invest in it.”

Young people have lost trust in older generations. The burden is on us to get it back. And maybe investing for their long-term goals, including retirement, isn’t such a bad place to begin.

The new infrastructure blueprint: Steel, concrete, and public-private partnership

I started traveling to London in the 1980s, and back then, if you had a choice between the city’s two major international airports — Heathrow or Gatwick — you probably chose Heathrow. Gatwick was farther from the city. It was also in a comparative state of disrepair.

But things changed in 2009 when Gatwick was purchased by Global Infrastructure Partners (GIP). They increased runway capacity and instituted commonsense changes, like oversized luggage trays that cut security screening times by more than half.

“The thing about infrastructure businesses... is a lot of them tend not to focus on customer service,” GIP’s CEO Bayo Ogunlesi told the Financial Times . GIP wanted to make Gatwick different. In the process, they also turned the airport into a prime example of how infrastructure will be built and run in the 21 st Century — with private capital. 42

In the U.S., people tend to think of infrastructure as a government endeavor, something built with taxpayer funds. But because of one very big reason that I’ll dive into momentarily, that won’t be the primary way infrastructure is built in the mid-21 st Century. Rather than only tapping government treasuries to build bridges, power grids, and airports, the world will do what Gatwick did.

The future of infrastructure is public-private partnership.

Debt matters

The $1 trillion infrastructure sector is one of the fastest growing segments of the private markets, and there are some undeniable macroeconomic trends driving this growth. In developing countries, people are getting richer, boosting demand for everything from energy to transportation while in wealthy countries, governments need to both build new infrastructure and repair the old.

Even in the U.S., where the Biden Administration has signed generational infrastructure investments into law, there’s still $2 trillion worth of deferred maintenance. 43

How will we pay for all this infrastructure? The reason I believe it’ll have to be some combination of public and private dollars is that funding probably cannot come from the government alone. The debt is just too high.

From Italy to South Africa, many nations are suffering the highest debt burdens in their history. Public debt has tripled since the mid-1970s, reaching 92% of global GDP in 2022. 44 And in America, the situation is more urgent than I can ever remember. Since the start of the pandemic, the U.S. has issued roughly $11.1 trillion of new debt, and the amount is only part of the issue. 45 There’s also the interest rate the Treasury needs to pay on it.

Three years ago, the rate on a 10-year Treasury bill was under 1%. But as I write this, it’s over 4%, and that 3-percentage-point increase is very dangerous. Should the current rates hold, it amounts to an extra trillion dollars in interest payments over the next decade. 46

Why is this debt a problem now? Because historically, America has paid for old debt by issuing new debt in the form of Treasury securities. It’s a workable strategy so long as people want to buy those securities — but going forward, the U.S. cannot take for granted that investors will want to buy them in such volume or at the premium they currently do.

Today, around 30% of U.S. Treasury securities are held by foreign governments or investors. That percentage will likely go down as more countries build their own capital markets and invest domestically. 47

More leaders should pay attention to America’s snowballing debt. There’s a bad scenario where the American economy starts looking like Japan’s in the late 1990s and early 2000s, when debt exceeded GDP and led to periods of austerity and stagnation. A high-debt America would also be one where it’s much harder to fight inflation since monetary policymakers could not raise rates without dramatically adding to an already unsustainable debt-servicing bill.

But is a debt crisis inevitable? No.

While fiscal discipline can help tame debt on the margins, it will be very difficult (both politically and mathematically) to raise taxes or cut spending at the level America would need to dramatically reduce the debt. But there is another way out beyond taxing or cutting, and that’s growth. If U.S. GDP grows at an average of 3% (in real, not nominal terms) over the next five years, that would keep the country’s debt-to-GDP ratio at 120% – high, but reasonable.

I should be clear: 3% growth is a very tall order, especially given the country’s aging workforce. It will require policymakers to shift their focus. We can’t see debt as a problem that can be solved only through taxing and spending cuts anymore. Instead, America’s debt efforts have to center around pro-growth policies , which include tapping the capital markets to build one of the best catalysts for growth: Infrastructure. Especially energy infrastructure.

Energy pragmatism

Roads. Bridges. Ports. Airports. Cell towers. The infrastructure sector contains multitudes, but the multitude where BlackRock sees arguably the greatest demand for new investment is energy infrastructure.

Why energy? Two things are happening in the sector at the same time.

The first is the “energy transition.” It’s a mega force, a major economic trend being driven by nations representing 90% of the world’s GDP. 48 With wind and solar power now cheaper in many places than fossil-fuel-generated electricity, these countries are increasingly installing renewables. 49 It’s also a major way to address climate change. This shift – or energy transition – has created a ripple effect in the markets, creating both risks and opportunities for investors, including BlackRock’s clients.

I started writing about the transition in 2020. Since then, the issue has become more contentious in the U.S. But outside the debate, much is still the same. People are still investing heavily in decarbonization. In Europe, for example, net-zero remains a top investment priority for most of BlackRock’s clients. 50 But now the demand for clean energy is being amplified by something else: A focus on energy security.

Governments have been pursuing energy security since the oil crisis of the 1970s, (and probably as far back as the early Industrial Revolution), so this is not a new trend. In fact, when I wrote my original 2020 letter about sustainability, I also wrote to our clients that countries would still need to produce oil and gas to meet their energy needs. 

To be energy secure, I wrote, most parts of the globe would need “to rely on hydrocarbons for a number of years.” 51

I’m hearing more leaders talk about decarbonization and energy security together under the joint banner of what you might call “energy pragmatism.”

Then in 2022, Putin invaded Ukraine. The war lit a fresh spark under the idea of energy security. It disrupted the world’s supply of oil and gas causing massive energy inflation, particularly in Europe. The UK, Norway, and the 27 EU countries had to collectively spend 800 billion euros subsidizing energy bills. 52

This is part of the reason I’m hearing more leaders talk about decarbonization and energy security together under the joint banner of what you might call “energy pragmatism.”

Last year, as I mentioned, I visited 17 countries, and I spent a lot of time talking to the people who are responsible for powering homes and businesses, everybody from prime ministers to energy grid operators. The message I heard was completely opposite to what you often hear from activists on the far left and right who say that countries have to choose between renewables and oil and gas. These leaders believe that the world still needs both. They were far more pragmatic about energy than dogmatic. Even the most climate conscious among them saw that their long-term path to decarbonization will include hydrocarbons, albeit less of them, for some time to come.

Germany is a good example of how energy pragmatism is still a path to decarbonization. It’s one of the countries most committed to fighting climate change and has made enormous investments in wind and solar power. But sometimes the wind doesn’t blow in Berlin, and the sun doesn’t shine in Munich. And during those windless, sunless periods, the country still needs to rely on natural gas for “dispatchable power.” Germany used to get that gas from Russia, but now it needs to look elsewhere. So, they’re building additional gas facilities to import from other producers around the world. 53

Or look at Texas. They face a similar energy challenge – not because of Russia but because of the economy. The state is one of the fastest growing in the U.S., 54 and the additional demand for power is stretching ERCOT, Texas’ energy grid, to the limit. 55

Today, Texas runs on 28% renewable energy 56 – 6% more than the U.S. as a whole. 57 But without an additional 10 gigawatts of dispatchable power, which might need to come partially from natural gas, the state could continue to suffer devastating brownouts. In February, BlackRock helped convene a summit of investors and policymakers in Houston to help find a solution.

Texas and Germany are great illustrations of what the energy transition looks like. As I wrote in 2020, the transition will only succeed if it’s “fair.” Nobody will support decarbonization if it means giving up heating their home in the winter or cooling it in the summer. Or if the cost of doing so is prohibitive.

Since 2020, economists have popularized better language to describe what a fair transition actually means. One important concept is the “green premium.” It’s the surcharge people pay for “going green”: for example, switching from a car that runs on gas to an electric vehicle. The lower the green premium, the fairer decarbonization will be because it’ll be more affordable.

This is where the power of the capital markets can be unleashed to great effect. Private investment can help energy companies reduce the cost of their innovations and scale them around the world. Last year, BlackRock invested in over a dozen of these transition projects on behalf of our clients. We partnered with developers in Southeast Asia aiming to build over a gigawatt of solar capacity (enough to power a city) in both Thailand and the Philippines. 58 We also invested in Lake Turkana Wind Power, Africa’s largest windfarm. It’s located in Kenya and currently accounts for about 12% of the country’s power generation. 59

There are also earlier-stage technologies, like a giant “hot rock” battery being built by Antora Energy. The company heats up blocks of carbon with wind or solar power during parts of the day when renewable energy is cheap and abundant. These “thermal batteries” reach up to 2,400 degrees Celsius and glow brighter than the sun. 60 Then, that heat is used to power giant industrial facilities around-the-clock, even when the sun isn’t shining, or the wind isn’t blowing.

BlackRock invested in Antora through Decarbonization Partners, a partnership we have with the investment firm, Temasek. Our funding will help Antora scale up to deliver billions of dollars worth of zero-emission energy to industrial customers. 61 (One day, their thermal batteries might help solve the kind of dispatchable power problem that Texas and Germany are facing – but without carbon emissions.)

The final technology I’ll spotlight is carbon capture. Last year, one of BlackRock’s infrastructure funds invested $550 million in a project called STRATOS, which will be the world’s largest direct air capture facility when construction is completed in 2025. 62 Among the more interesting aspects of the project is who’s building the facility: Occidental Petroleum, the big Texas oil company.

The energy market isn’t divided the way some people think, with a hard split between oil & gas producers on one side and new clean power and climate tech firms on the other. Many companies, like Occidental, do both, which is a major reason BlackRock has never supported divesting from traditional energy firms. They’re pioneers of decarbonization, too.

Today, BlackRock has more than $300 billion invested in traditional energy firms on behalf of our clients. Of that $300 billion, more than half – $170 billion – is in the U.S. 63 We invest in these energy companies for one simple reason: It’s our clients’ money. If they want to invest in hydrocarbons, we give them every opportunity to do it – the same way we invest roughly $138 billion in energy transition strategies for our clients. That’s part of being an asset manager. We follow our clients’ mandates.

But when it comes to energy, I also understand why people have different preferences in the first place. Decarbonization and energy security are the two macroeconomic trends driving the demand for more energy infrastructure. Sometimes they’re competing trends. Other times, they’re complementary, like when the same advanced battery that decarbonizes your grid can also reduce your dependence on foreign power.

The point is: The energy transition is not proceeding in a straight line. As I’ve written many times before, it’s moving in different ways and at different paces in different parts of the world. At BlackRock, our job is to help our clients navigate the big shifts in the energy market no matter where they are.

BlackRock’s next transformation

One way we’re helping our clients navigate the booming infrastructure market is by transforming our company. I began this section by writing about the owners of Gatwick Airport, GIP. In January, BlackRock announced our plans to acquire them. 

Why GIP? BlackRock’s own infrastructure business had been growing rapidly over the past several years. But to meet demand, we realized we needed to grow even faster.

It’s not just debt-strapped governments that need to find alternate pools of financing for their infrastructure. Private sector firms do too. All over the world, there’s a vast infrastructure footprint that’s owned and operated entirely by private companies. Cell towers are a good example. So are pipelines that deliver the feedstocks for chemical companies. Increasingly, the owners of these assets prefer to have a financing partner, rather than carrying the full cost for the infrastructure on their balance sheet.

I had been thinking about this trend and called an old colleague, Bayo Ogunlesi.

Both Bayo and I started our careers in finance at the investment bank First Boston. But our paths diverged. I lost $100 million on a series of bad trades at First Boston and…well, nobody needs to hear that story again. But it led me (and my BlackRock partners) to pioneer better risk management for fixed income markets. Meanwhile, Bayo and his team were pioneering modern infrastructure investing in the private markets.

Now, we plan to join our forces again. I think the result will be better opportunities for our clients to invest in the infrastructure that keeps our lights on, planes flying, trains moving, and our cell service at the maximum number of bars.

More about BlackRock’s work in 2023

In this letter, I’ve shared my view that the capital markets are going to play an even bigger role in the global economy. They’ll have to if the world wants to address the challenges around infrastructure, debt, and retirement. These are the major economic issues of the mid-21st Century. We’re going to need the power of capitalism to solve them.

The way BlackRock figures into that story is through our work with clients. We want to position them well to navigate these trends, which is why we’ve tried to stay more connected to our clients than ever.

Over the past five years, thousands of clients on behalf of millions of individuals have entrusted BlackRock with managing over $1.9 trillion in net new assets. Thousands also use our technology to better understand the risks in their portfolios and support the growth and commercial agility of their own businesses. Years of organic growth, alongside the long-term growth of the capital markets, underpin our $10 trillion of client assets, which grew by over $1.4 trillion in 2023.

In good times and bad, whether clients are focused on increasing or decreasing risk, our consistent industry-leading organic growth demonstrates that clients are consolidating more of their portfolios with BlackRock. In 2023, our clients awarded us with $289 billion in net new assets during a period of rapid change and significant portfolio de-risking.

BlackRock’s differentiated business model has enabled us to continue to grow with our clients and maintain positive organic base fee growth. We’ve grown regardless of the market backdrop and even as most of the industry experienced outflows.

I think back to 2016 and 2018 when uncertainty and cautious sentiment impacted investment behavior among institutions and individuals. Many clients de-risked and moved to cash. BlackRock stayed connected with our clients. We stayed rigorous in driving investment performance, innovating new products and technologies, and providing advice on portfolio design. Once clients were ready to step back into the markets more actively, they did it with BlackRock – leading to new records for client flows, and organic base fee growth at or above our target.

Flows and organic base fee growth accelerated into the end of 2023. We saw $96 billion of total net inflows in the fourth quarter and we entered 2024 with great momentum.

In 2024, I plan to do what I did in 2023 – spend a lot of time on the road visiting clients. I’ve already taken several trips in the U.S. and around the world, and it’s clearer than ever that companies and clients want to work with BlackRock.

For companies where we are investing on behalf of our clients, they appreciate that we typically provide long-term, consistent capital. We often invest early, and we stay invested through cycles whether it’s debt or equity, pre-IPO or post-IPO. Companies recognize BlackRock’s global relationships, brand, and expertise across markets and industries. This makes us a valuable partner, and in turn supports the sourcing and performance we can provide for clients.

Over the past 18 months, we’ve sourced and executed on a number of deals for clients. In addition to the STRATOS direct air capture project, our funds partnered with AT&T on the Gigapower JV to build out broadband in communities across the U.S. We also made investments globally, including in Brasol (Brazil), AirFirst (South Korea), Akaysha Energy (Australia), and the Lake Turkana Wind Farm (Kenya).

Our ability to source deals for clients is a primary driver of demand for BlackRock private markets strategies. These strategies saw $14 billion of net inflows in 2023, driven by infrastructure and private credit. We continue to expect these categories to be our primary growth drivers within alternatives in the coming years.

Our active investment insights, expertise and strong investment performance similarly differentiate BlackRock in the market. We saw nearly $60 billion of active net inflows in 2023, compared with industry outflows.

In ETFs, BlackRock generated an industry-leading $186 billion of net inflows in 2023. Our leadership in the ETF industry is another testament to our global platform and connectivity with clients.

What we have seen in market after market is that if we can make investing easier and more affordable, we can quickly attract new clients. We are leveraging digital wealth platforms in local markets to provide more investment access and accelerate organic growth for iShares ETFs.

In EMEA, BlackRock powers ETF savings plans for end investors, partnering with many banks and brokerage platforms, including Trade Republic, Scalable Capital, ING, Lloyds, and Nordnet. These partnerships will help millions of people access investments, invest for the long-term, and achieve financial well-being.

In 2023, we also announced our minority investment in Upvest, which will help drive innovation in how Europeans access markets and make it cheaper and simpler to start investing.

Then there is our work with Britain’s leading digital bank, Monzo, to offer its customers our products through its app, with minimum investments as low as £1. Through these relationships, we’re evolving our iShares ETF franchise to meaningfully increase access to global markets.

Let me also say a few words about Aladdin. It remains the language of portfolios, uniting all of BlackRock, and providing the technological foundation for how we serve clients across our platform. And Aladdin isn’t just the key technology that powers BlackRock; it also powers many of our clients. The need for integrated data and risk analytics as well as whole portfolio views across public and private markets is driving annual contract value (ACV) growth.

In 2023, we generated $1.5 billion in technology services revenue. Clients are looking to grow and expand with Aladdin, reflected in strong harvesting activity, with over 50% of Aladdin sales being multi-product.

As we look ahead, the re-risking of client portfolios will create tremendous prospects for both our public and private markets franchises. And integrated technology will be needed to help clients be nimble while operating at scale.

These are the times where investors are making broad changes to the way they build portfolios. BlackRock is helping investors build the “portfolio of the future” – one that integrates public and private markets and is digitally enabled. We view these changes as big catalysts. With the diversified investment and technology platform we’ve built, we’ve set ourselves up to be a structural grower in the years ahead.

Positioning our organization for the future

Just as we continually innovate and evolve our business to stay ahead of our clients, we also evolve our organization and our leadership team.

Earlier this year we announced changes to reimagine our business and transform our organization to better anticipate what clients need – and shape BlackRock so clients can continue to get the insights, solutions, and outcomes they expect from us.

For years, BlackRock has worked with clients across the whole portfolio, albeit with distinctions between product structures for ETFs, active mutual funds, and separate accounts.

Now the traditional lines between products are blurring. Clients are building portfolios that seamlessly combine both active and index strategies, including liquid and illiquid assets and spanning public and private markets, across ETF, mutual fund, and separate account structures.

BlackRock has been critical in expanding the market for ETFs by making them accessible to more investors and delivering new asset classes (like bonds) and investment strategies (like active). As a result of that success, the ETF is no longer just an indexing concept – it is becoming an efficient structure for a range of investment solutions.

We always viewed ETFs as a technology, a technology that facilitated investing. And just as our Aladdin technology has become core to asset management, so too have ETFs. That’s why we believe embedding our ETF and Index expertise across the entire firm will accelerate the growth of iShares and every investment strategy at BlackRock.

We’ll be nimbler and more closely aligned with clients through our new architecture with the aim of delivering a better experience, better performance, and better outcomes.

Voting choice

Healthy capital markets depend on a continuous feedback loop between companies and their investors. For more than a decade, BlackRock endeavored to improve that feedback loop for our clients.

We’ve done it by building an industry-leading stewardship program, one that’s focused on engaging investee companies on issues impacting our clients’ long-term economic interests. This requires understanding how companies are positioned to navigate the risks and opportunities they face – for example, how geopolitical fragmentation might rewire their supply chains or how higher borrowing cost might impact their capacity to deliver sustained earnings growth.

To do that, we built one of the largest stewardship teams to engage with companies, often alongside our investment teams, because we never believed in the industry’s reliance on the recommendations of a few proxy advisors. We knew our clients would expect us to make independent proxy voting decisions, informed by our ongoing dialogue with companies – a philosophy that continues to underpin our stewardship efforts today. For our clients who have entrusted us with this important responsibility, we remain steadfast in promoting sound corporate governance practices and financial resilience at investee companies on their behalf.

And for our clients who wish to take a more direct role in the proxy voting process, we continue to innovate to provide them with more choice. In 2022, BlackRock was the first in our industry to launch Voting Choice, a capability that enabled institutional investors to participate in the proxy voting process. Today, about half of our clients’ index equity assets under management can access Voting Choice. And in February, we launched a pilot in our largest core S&P 500 ETF, enabling Voting Choice for individual investors for the first time.

We welcome these additional voices to corporate governance and believe they can further strengthen shareholder democracy. I believe that more asset owners can participate in this important process effectively if they are well-informed. We are encouraged by their engagement and the continued transformation of the proxy voting ecosystem but continue to believe that the industry would benefit from additional proxy advisors.

Strategy for long-term growth

For 36 years, BlackRock has led by listening to our clients and evolving to help them achieve long-term outcomes. That commitment has been behind everything we’ve done as a firm, whether it’s unlocking new markets through iShares, pioneering whole portfolio advisory, launching Aladdin on the desktops of investors and so much more. Clients have been at the foundation of our mindset and our growth strategy, informing the investments we’ve made across our businesses.

The combination of technology and advisory, alongside ETFs, active and private markets capabilities, enables us to deliver a better client experience – leading to clients consolidating more of their portfolios with BlackRock or engaging us for outsourcing solutions. We believe this in turn will drive continued differentiated organic growth into the future.

As we do each year, our management team and Board spent time assessing our strategy for growth. We challenge ourselves to think: What opportunities will this economic environment create for BlackRock and our clients, what more can we do to meet and anticipate their needs? How can we evolve our organization, operating structure, investment capabilities, and service models and, in doing so, keep leading the industry?

We have strong conviction in our strategy and our ability to execute with scale and expense discipline. Our strategy remains centered on growing Aladdin, ETFs, and private markets, keeping alpha at the heart of BlackRock, leading in sustainable investing, and advising clients on their whole portfolio.

We have continually made internal investments for organic growth and efficiency, investing ahead of client opportunities in private markets, ETFs, technology, and whole portfolio solutions.

In private markets, we are prepared to capitalize on structural growth trends. Whether it’s executing on demand for much-needed infrastructure, or the growing role of private credit as banks and public lenders move away from the middle market, private capital will be essential. BlackRock is poised to capture share through our scale, proprietary origination, and track record. And we believe our planned acquisition of GIP will meaningfully accelerate our ability to offer our private markets capabilities to our clients.

In ETFs, we will continue to lead by expanding investment access globally and through innovation. The ETF is an adaptable piece of financial technology, and over time we’ve been able to do more with it than just making investing more affordable. We’ve been able to bring better liquidity and price discovery to more opaque markets. One recent example is offering people exposure to Bitcoin through ETFs.

ETFs have been an incredible growth story in the U.S., with iShares leading the way. We believe global ETF adoption is set to accelerate as catalyst trends that we saw in the U.S. years ago like the growth of fee-based advisory and model portfolios are just beginning to take root. Nearly half of 2023 iShares net inflows were from our ETFs listed internationally in local markets, led by European iShares net inflows of $70 billion.

Active asset allocation, security selection and risk management have consistently been key elements in long-term returns. Our active teams across multi-asset, fixed income and equities are well-positioned to seize on broad opportunities arising out of this new interest rate and potentially more volatile regime. We are particularly excited about the opportunity in fixed income and how artificial intelligence is propelling performance in our systematic investing businesses.

Fixed income is going to be increasingly relevant in the construction of whole portfolios with higher yields and better return potential compared to the low-rate environment of the last 15 years. Now that the rate on 10-year U.S. Treasuries is near long-term averages, clients are reconsidering bond allocations.

BlackRock is well-positioned with a diversified fixed income platform. It’s not going to be just about index, where we manage nearly $1.7 trillion. Or just about active where we manage over $1 trillion. Some of the most interesting portfolio conversations are with allocators who are blending ETFs with active or using innovations like our active ETFs for professionally managed income solutions.

Across asset classes, the need for integrated data, technology and risk management will continue to drive demand for Aladdin. Through its dynamic ecosystem of over 130,000 users, the Aladdin platform is constantly innovating and being improved. Investments in Aladdin AI copilots, enhancements in openness supporting ecosystem partnerships, and advancing whole portfolio solutions are going to further augment the value of Aladdin.

We are honored that our clients entrusted us with $289 billion of net new assets in 2023. And over the past few months, we’ve seen a decidedly more positive sentiment and tone in markets and among clients that I'm very optimistic will carry into the rest of 2024.

Our ability to adapt, evolve, and grow has generated a total return of 9,000% for our shareholders since our IPO in 1999. That is well in excess of the S&P 500 return of 490% and representative of a business model serving all our stakeholders.

Total return since BlackRock’s IPO through December 31, 2023

S&P Global. The performance graph is not necessarily indicative of future investment performance.

Our Board of Directors

BlackRock’s Board plays an integral role in our strategy, our growth and our success.

The diverse experiences and backgrounds of our Directors enable us to have rich discussions and debates. At each meeting, our Directors review components of our long-term strategy and foster constructive dialogue with our leadership team on strategic opportunities, priorities and risks facing BlackRock’s business. This dialogue ultimately pushes us to make the sometimes tactical and sometimes transformational moves to build a better BlackRock. This includes the two transformational moves we made in January: The strategic re-architecture of our organization and our agreement to acquire GIP.

These two transformational changes are the largest since our acquisition of Barclays Global Investors nearly 15 years ago.

Following the closing of the GIP transaction, we plan to have Bayo Ogunlesi join our Board of Directors. We will continue to evolve our Board over time to reflect the breadth of our global business and to guide us as we evolve ahead of our clients’ needs.

A final note

Over the past 36 years, BlackRock has grown from a company of eight people in a tiny Manhattan office into the largest asset manager in the world. But our growth is just a small part of a much larger success story.

It’s part of the same story that includes my parents retiring comfortably after 50 years of hard work. The same story where America was able to endure the 1980s S&L crisis and 2008 financial crisis – and rebound quickly and with growing strength.

And it’s the story that, hopefully, will include more people around the world. Nations that can outgrow their debt. Cities that can afford to power more homes and build more roads. Workers who can live out their golden years with dignity.

All of these stories are only possible because of the power of the capital markets and the people who are hopeful enough to invest in them.

Laurence Fink Chairman and Chief Executive Officer

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1 Based on a $1,000 investment from January 1960 to December 1990. Assumes reinvestment of all dividends. Past performance is not indicative of future results.

2 Federal Reserve History , Savings and Loan Crisis

3 OCED Economic Surveys: United States (2016)

4 Securities Industry and Financial Markets Association , Capital DMarkets Fact Book (2023), p.6

5 World Federation of Exchanges , Market Statistics-February 2024, (2024)

6 World Economic Forum , Ageing and Longevity, (2023)

7 United Nations , World Population Ageing, (2017), p.8

8 The Wall Street Journal , Japan’s Nikkei Tops 40000 for First Time, Driven by AI Optimism, ( 2024)

9 Cabinet Secretariat of Japan , Doubling Asset-based Income Plan, ( 2022), p.2

10 Note: 1. Format adapted from Adele M. Hayutin, New Landscapes of Population Change: A Demographic World Tour (Hoover Press, 2022). Data from United Nations Population Division, World Population Prospects. (latest refresh 2022), Medium Fertility Projection. 2. Peak year is defined as the year in which working age population reaches its maximum for a country. Sources: United Nations Population Statistics (as of 2022). OECD (as of 06/2023). World Bank (as of 2022).

11 United Nations , UN DESA releases new report on ageing , (2019)

12 The New York Times Magazine , Can We Live to 200? ( 2021)

13 National Library of Medicine , Estimated Life-Years Gained Free of New or Recurrent Major Cardiovascular Events With the Addition of Semaglutide to Standard of Care in People With Type 2 Diabetes and High Cardiovascular Risk, ( 2022)

14 Source 1: Bureau of Labor Statistics , Employee Benefits in the United States , (2023), p.1; Source 2: Bureau of Labor Statistics , Employee Benefits in Industry , (1980), p. 6

15 BLK Estimates based on AUM as of December 31 st , 2021 and Cerulli data as of 2020. ETF assets include only qualified assets based on Cerulli data, and assumes 9.5% of institutionally held ETFs are related to pensions or retirement. Institutional estimates includes assets defined as “related to retirement” and are based on products and clients with a specific retirement mandate (e.g., LifePath, pensions). Estimates for LatAm based on assets managed for LatAm Pension Fund clients, excluding cash.

16 BlackRock as of Dec. 31, 2021. The overall number of Americans is calculated based on estimates of participants in BlackRock’s Defined Contribution and Defined Benefit plan clients. The Defined Contribution number is estimated based on data from FERS as well as ISS Market Intelligence BrightScope for active participants across 401(k) and 403(b). Defined Contribution includes plans with over $100M+ in assets where participants have access to one or more BlackRock funds; some may not be invested with BlackRock. The Defined Benefit number is estimated based on data from public filings and Pension & Investments for the total number of participants across the 20 largest U.S. Defined Benefit plans that are not also Defined Contribution clients of BlackRock.

17 U.S. Bureau of Labor Statistics , Labor Force Statistics from the Current Population Survey, (Feb. 2023)

18 Represents the total number of active public schoolteachers enrolled in defined benefit plans with assets managed by BlackRock. Excludes Virginia, Alaska and Pennsylvania pension clients, as the states’ DB plan is not the default plan for its participants. Public school teachers count from the National Center for Education Statistics, projection for 2022 school year. Pensions participation rate based on data from the U.S. Bureau of Labor Statistics: 89% as of March 2022.

19 Social Security , Life Tables for the United States Social Security Area 1900-2100, Figure 3a

20 Social Security , When to Start Receiving Retirement Benefits, (2023), p.2

21 Social Security , Summary: Actuarial Status of the Social Security Trust Funds, (2023)

22 Dutch Government , Why is the state pension age increasing? (translated from Dutch)

23 U.S. Bureau of Labor Statistics , Civilian labor force participation rate, (2000-2024)

24 U.S. Census Bureau , Survey of Income and Program Participation (SIPP) , (2022)

25 Federal Reserve , Economic Well-Being of U.S. Households in 2022, (2023), p.2

26 BlackRock , Emergency Saving Initiative: Impact and Learnings Report, (2019-2022), p.2

27 BlackRock, Emergency Savings Initiative: Impact and Learnings Report, ( 2019-2022), p.12

28 BlackRock , What are target date funds?

29 AARP, New AARP Research: Nearly Half of Americans Do Not Have Access to Retirement Plans at Work, (2022)

30 CIA: The World Factbook , Country Comparisons: Population (2023 est.)

31 OECD , Pensions at a Glance 2023 , (2023), 222

32 Georgetown University Center for Retirement Initiatives , State-Facilitated Retirement Savings Programs: A Snapshot of Program Design Features, (2023)

33 Parliament of Australia , Superannuation and retirement incomes

34 Human Interest , The power of 401(k) automatic enrollment, (2024)

35 BlackRock , To spend or not to spend? (2023), p. 2-5

36 Source 1: The Wall Street Journal, The Champions of the 401(k) Lament the Revolution They Started, (2017); Source 2: Social Security Office of Retirement and Disability Policy, The Disappearing Defined Benefit Pension and Its Potential Impact on the Retirement Incomes of Baby Boomers , (2009)

37 U.S. Chamber of Commerce , Statement of the U.S. Chamber of Commerce, (2012), p. 3

38 Harvard Business Review , Too Many Employees Cash Out Their 401(k)s When Leaving a Job, ( 2023)

39 The Wall Street Journal , Why China’s Middle Class Is Losing Its Confidence, (2024)

40   The Wall Street Journal , Covid-Era Savings are Crucial to China’s Economic Recovery , (2023)

41 The Wall Street Journal , The Rough Years That Turned Gen Z Into America’s Most Disillusioned Voters , (2024)

42 Financial Times , How Adebayo Ogunlesi’s contrarian bet led to $12.5bn BlackRock tie-up , (2024)

43 American Society of Civil Engineers (ASCE ), 2021 Report Card For America’s Infrastructure, (2021), p. 5

44 International Monetary Fund , Global Debt Is Returning to its Rising Trend, (2023)

45 Fiscal Data: U.S. Treasury , Debt to the Penny, ( Debt was $23.4T in March 2020 and $34.5T in March 2024)

46 The Wall Street Journal , A $1 Trillion Conundrum: The U.S. Government’s Mounting Debt Bill, ( 2024)

47 US Department of Treasury , Table 5: Major Foreign Holders of Treasury Securities

48 As of March 2024. Net Zero Tracker, https://zerotracker.net (last visited March 18 th , 2024)

49 Associated Press News , The year in clean energy: Wind, solar and batteries grow despite economic challenges, (2023)

50 BlackRock iResearch Services global survey, sample size n=200, May-June 2023. Survey covered institutional investors’ attitudes, approaches, barriers, and opportunities regarding transition investing. 83% of EMEA respondents surveyed have net zero by 2050 or other date as a transition objective across their portfolio. https://www.blackrock.com/corporate/literature/brochure/global-transition-investing-survey.pdf

51 BlackRock’s 2020 Letter to Clients , Sustainability as BlackRock’s New Standard for Investing, (2020)

52 Reuters , Europe’s spend on energy crisis nears 800 billion euros, (2023)

53 The New York Times , Germany Announces New L.N.G. Facility, Calling It a Green Move from Russian Energy, (2022)

54 Texas Fall 2023 Economic Forecast

55 Federal Reserve Bank of Dallas, Texas electrical grid remains vulnerable to extreme weather events, (2023)

56 U.S. Energy Information Administration : Electricity Data Browser

57 U.S. Energy Information Administration , Solar and wind to lead growth of U.S. power generation for the next two years, (2024)

58 BlackRock Alternatives, CFP, 2023

59 Kenya Power , Annual Report & Financial Statements, (2022)

60 Reuters , BlackRock, Temasek-led group invest $150 mln in thermal battery maker Antora, (2024)

61 Business Wire , Antora Energy Raises $150 Million to Slash Industrial Emissions and Spur U.S. Manufacturing, ( 2024)

62 Oxy, Occidental and BlackRock Form Joint Venture to Develop STRATOS, the World’s Largest Direct Air Capture Plant, (2023)

63 As of June 30, 2022. “Energy companies” refers to corporations classified as belonging to the GICS-1 Energy Sector.

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