cover letter 2023 example

60+ Cover Letter Examples in 2024 [For All Professions]

No matter where you are in your career, or what job you’re applying for, submitting a cover letter with your resume is a must . 

Done right, a cover letter will effectively complement your resume and explain to the hiring manager in more detail why you’re the right person for the job.

Writing a cover letter, however, is easier said than done. 

You have to effectively demonstrate that you’ll be able to perform the responsibilities listed in the job description and that you’d be a better fit for the company compared to other candidates. 

And unless you’re a professional writer, this can be a very hard task.

Fortunately, we created these cover letter examples to inspire you and help you get started with your own cover letter!

Let’s dive in!

21 Cover Letter Examples 

#1. career change cover letter example .

Here’s what this cover letter does right:

• Has an ideal length. This cover letter includes all the relevant information for the hiring manager without getting into too much detail.
• Relevant introduction. The candidate explains that they’re changing careers and why they want to work in this new field from the get-go.
• Explains their related experience. The candidate explains how their previous experience in retail sales can help them succeed in PR.

Check out our guide video guide to learn how to write a Cover Letter that gets you HIRED!

#2. Recent Graduate Cover Letter Example 

• Personally greets the hiring manager. The candidate has taken the time to find the hiring manager’s name and address them by it, which makes the opening of the cover letter much more personal.
• Wraps up with a call to action. The candidate wraps up the cover letter by suggesting a meeting with the hiring manager, which makes them more memorable.
• Explains why the candidate is the right person for the internship. In this cover letter for an internship , the candidate explains how they’ve previously interned in a different firm, which gives them the experience to succeed in this role.

Have you just graduated from college? Make sure to check out our guide on writing an entry-level cover letter from start to finish! 

#3. Middle Management Cover Letter Example

• Use of bullet points. The candidate presents the information in a concise and reader-friendly way, making it easy for the hiring manager to find their key achievements. 
• Formal closing. The candidate has used a formal and polite tone to conclude their cover letter, which combined with a call to action makes them look professional and passionate about getting the job. 
• Explains how the company would benefit from hiring them. The candidate outlines exactly what they could do for the company, which not only highlights their skills but also shows they’ve done their research on the company’s needs. 

#4. Business Manager Cover Letter Example

• Detailed header. In addition to the must-have contact details, this candidate has also included their professional Twitter and LinkedIn profiles, making it easy for the hiring manager to look more closely into their career. 
• Concise and to the point. This candidate has used short paragraphs and bullet points to make the cover letter easy to skim through. 
• Wraps up with a call to action. By letting the hiring manager know they’ll be contacting them soon, they’re more likely to make an impression.

Check out this article for a complete writing guide and an inspiring business manager resume sample. 

#5. Ph.D. Cover Letter Example

Here’s what this cover letter does right: 

• Attention-grabbing introduction. In the opening paragraph, this candidate explains why they’re passionate about pursuing a Ph.D. in great detail. 
• Explains the candidate’s qualifications in detail. The candidate builds on their passion by explaining how they’re also qualified for the degree because of their education history and academic achievements. 

#6. Senior Executive Cover Letter Example

• Professional and minimalistic template. This senior executive has used a professional but minimalistic template that lets their work experience do the talking. 
• Achievement-oriented opening paragraph. Right from the get-go, this candidate explains what makes them so good at their job, effectively grabbing the hiring manager’s attention.  
• Wraps up with a call to action. By suggesting to have a meeting and discussing how they can help the company meet its goals, the candidate stands more chance to make a positive lasting impression. 

#7. Architect Cover Letter Example 

• Modern resume template. This architect has picked a template that perfectly matches his industry, as it is professional and modern at the same time. 
• A personal greeting to the HR. They address the hiring manager by their first name, which helps make a better first impression. 
• Measurable achievements. By quantifying their achievements, the candidate proves their achievements instead of just claiming them.

Struggling with your architect resume ? Check out our full guide!

#8. Business Analyst Cover Letter Example 

• Detailed contact information. The candidate has listed both their LinkedIn and Twitter profiles, providing the HR manager an opportunity to learn more about the candidate.  
• Mentions what the candidate can do for the company. This cover letter doesn’t just explain why the job would be great for the candidate, but also how the candidate would benefit the company. Win-win, right? 
• Error-free and reader-friendly. It’s super important for the cover letter to have no spelling or grammatical errors and be reader-friendly. This candidate made sure they did both.

Need a resume alongside your cover letter? Check out our guide on how to write a business analyst resume . 

#9. Consultant Cover Letter Example 

• Professional cover letter template. Being an experienced consultant, this candidate has picked a professional template that doesn’t steal the spotlight from their achievements. 
• Experience and achievement-oriented. The candidate has effectively elaborated on their top achievements relevant to the job. 
• Highlights the candidate’s passion. To show they want the job, this candidate has also explained how passionate they are about their profession.

For more advice on landing a job as a consultant, check out our guide to writing a consultant resume .

#10. Digital Marketing Cover Letter Example

• Creative cover letter template. This digital marketer highlights their originality by picking a creative cover letter template. 
• Lists the candidate’s awards. The candidate has taken advantage of the cover letter to list their most noteworthy awards in the industry. 
• Concludes with a call to action. As they used a call to action to conclude their cover letter, the HR manager will be more likely to remember them.

Want to take your digital marketing resume to the next level? Check out our guide!

#11. Graphic Designer Cover Letter Example 

• Detailed contact information. The candidate has included additional contact information such as their website link, as well as their LinkedIn and Twitter profiles.  
• Ideal length. This cover letter is concise, which means that the HR manager is more likely to read it from start to finish.  
• Draws attention to the candidate’s strong points. Although this candidate is a recent college graduate, they’ve managed to effectively show that they have enough knowledge and experience to do the job right.

Read this guide to write a graphic designer resume that’s just as good as your cover letter!

#12. Administrative Assistant Cover Letter Example

• Minimalistic cover letter template. The candidate picked a well-designed but minimalistic template for their cover letter. 
• Focused on skills and achievements. This cover letter is packed with the candidate’s skills and achievements, proving he can be an excellent employee. 
• Formal closing. Politeness can go a long way and the candidate has used this to their advantage to make an impression. 

Our article on how to write an administrative assistant resume can help you take your job application to the next level.

#13. Front Desk Cover Letter Example

• Modern cover letter template. This template incorporates memorable colors and clear lines, which make the cover letter very visually appealing. 
• Attention-grabbing introduction. Using an attention-grabbing intro, the candidate is more likely to make an impression. 
• Calls the HR to action. By including a call to action, the candidate is reminding the HR of their immediate availability. 

#14. Human Resources Cover Letter Example

• It is concise and to the point. The candidate doesn’t dwell on unimportant details the HR won’t be interested in. 
• Uses a traditional cover letter template. The cover letter design is more on the conventional side, which fits the industry better. 
• Highlights the candidate’s strong points. The candidate has rich work experience and they use the cover letter to elaborate on it. 

This HR resume guide can help you get your resume just right.

#15. Sales Agent Cover Letter Example 

• Attention-grabbing cover letter template. As a salesperson, this candidate knows how important first impressions are, so they’ve picked a catchy cover letter template. 
• Has an ideal length. At the same time, they’ve also made sure to keep their cover letter at just the right length. 
• Lists the candidate’s career highlights. The candidate has made perfect use of the space by mentioning their most impressive professional achievements. 

Check out this sales agent resume guide to create an attention-grabbing sales resume .

#16. Receptionist Cover Letter Example

• Modern but minimalistic cover letter template. The template’s design hints the candidate is creative but professional at the same time. 
• Uses a catchy introduction. The candidate has used an attention-grabbing opening paragraph to catch HR’s attention. 
• Concludes the cover letter formally. The candidate proves that they’re polite and well-spoken, a quality very much important for the role they’re applying for. 

Take your receptionist resume to the next level with this receptionist resume guide .

#17. Information Technology Cover Letter Example

• Mentions measurable achievements. Numbers make an impact, which is why this candidate has included measurable achievements. 
• Lists both soft and hard skills. The candidate has mentioned a great mix of soft and hard skills, showing how well-rounded they are. 
• Contains relevant contact information. The candidate’s GitHub, website name, LinkedIn, and Twitter profiles are all great additions to the resume. 

Looking for tips to help you write a great IT resume ? Check out our guide!

#18. Real Estate Cover Letter Example

• Ideal length. Short and to the point, this cover letter is bound to get noticed by the HR manager. 
• Wraps up with a call to action. This candidate reinforces the HR to call them back through a final call to action. 
• Mentions the right skills. On top of their sales accomplishments, the candidate touch upon important soft skills such as customer service and communication . 

This real estate resume guide will help you take your resume from good to great.

#19. Teacher Cover Letter Example

• Mentions relevant contact information details. This candidate has included optional (but relevant) contact information details, such as their LinkedIn, Quora, and Medium profiles. 
• Achievement-oriented. The candidate has elaborated on their achievements in more detail throughout their cover letter. 
• Highlights the candidate’s passion. For some jobs, being passionate is much more important than for others. Teaching is one of these jobs, which is why this candidate explains their passion for the job. 

Our guide on how to write a teacher resume has all the tips you need to land the job.

#20. Project Manager Cover Letter Example

• Leverages a catchy introduction. Through a catchy introductory paragraph, this candidate is sure to grab the HR’s attention and get them to read the rest of their cover letter.
• Lists measurable accomplishments. This candidate explains exactly what they’ve achieved using numbers and hard data. 
• Personally greets the HR. A personal greeting sounds much better than “Dear Sir/Madam,” and the candidate knows this. 

This guide on how to write a project manager resume can help you perfect your appication.

#21. Paralegal Cover Letter Example

• Minimalistic cover letter template. This cover letter design looks good but doesn’t steal the show from the candidate’s abilities.
• Mentions the candidate’s academic achievements and extracurricular activities. Although the candidate is a recent graduate, they’ve used the cover letter to explain they have enough skills and achievements to do the job.
• Lists measurable achievements. The candidate proves they did well in their internship by mentioning quantifiable achievements.

Check out this paralegal resume guide to perfect yours.

40+ More Cover Letter Examples and Guides 

Couldn’t find a cover letter example for your field? Do not worry.

Below you can find a number of other cover letter examples for different fields and industries:

• Acting Cover Letter Examples
• Accounting Cover Letter Examples
• Administrative Assistant Cover Letter Examples
• Architecture Cover Letter Examples
• Attorney Cover Letter Examples
• Barista Cover Letter Examples
• Bartender Cover Letter Examples
• Business Cover Letter Examples
• Business Analyst Cover Letter Examples
• College Student Cover Letter Examples
• Computer Science Cover Letter Examples
• Construction Cover Letter Examples
• Consultant Cover Letter Examples
• Customer Service Cover Letter Examples
• Data Analyst Cover Letter Examples
• Data Entry Cover Letter Examples
• Dental Assistant Cover Letter Examples
• Digital Marketing Cover Letter Examples
• Elementary Teacher Cover Letter Examples
• Engineering Cover Letter Examples
• Executive Assistant Cover Letter Examples
• Finance Cover Letter Examples
• Graphic Design Cover Letter Examples
• Healthcare Cover Letter Examples
• Human Resources Cover Letter Examples
• IT Cover Letter Examples
• Law Cover Letter Examples
• Management Cover Letter Examples
• Marketing Cover Letter Examples
• Mechanical Engineering Cover Letter Examples
• Medical Assistant Cover Letter Examples
• Nurse Practitioner Cover Letter Examples
• Physician Cover Letter Examples
• Project Manager Cover Letter Examples
• Receptionist Cover Letter Examples
• Retail Cover Letter Examples
• Sales Cover Letter Examples
• Social Work Cover Letter Examples
• Software Engineer Cover Letter Examples
• Substitute Teacher Cover Letter Examples
• Teacher Assistant Cover Letter Examples
• Team Leader Cover Letter Example

What is a Cover Letter? 

A cover letter is a one-page document that you submit as part of your job application, alongside your resume . 

Its purpose is to introduce you and briefly summarize your professional background. On average, your cover letter should be from 250 to 400 words long .

A good cover letter can give the hiring manager more insight into what makes you a good candidate and help them make up their mind about whether they should invite you for an interview. A bad cover letter, though, will get ignored (at best) and lose you the job (at worst).

So, to make sure this doesn’t happen, it’s essential to know how to write a convincing cover letter.

The first thing to remember is that a cover letter is a supplement to your resume, not a replacement. Meaning, you shouldn’t just repeat whatever is mentioned in your resume and call it a day. 

Optimally, you should use your cover letter to shed more light on your skills and qualifications, as well as explain anything you didn’t have space for in your resume (e.g. a career gap or why you’re changing careers).

If you’re writing a cover letter for the first time, though, putting all this together might seem pretty tough. 

Fortunately, you can follow our tried-and-tested format to make the experience much easier:

• Header - Input your contact information.
• Greeting the hiring manager - Open the cover letter with a “Dear Sir or Madam,” or use the hiring manager’s name if you know what that is.
• Opening paragraph - Grab the hiring manager’s attention by getting straight to the point. Mention what your professional experiences are, and what role you’re applying for.
• The second paragraph - Explain why you’re the perfect candidate for the job. Mention your top 2-3 achievements, your top skills, why you want to work in that specific industry, and whatever else is relevant.
• The third paragraph - End your cover letter with a call to action. E.g. “I would love to meet personally and discuss how I can help Company X.”
• Formal closing - Something like this: “Thank you for your consideration. Best, John Doe.”

Here’s what this looks like in practice:

9 Tips to Write a Cover Letter (the Right Way)

Now that we've covered the basics, let's talk about cover letter tips . Below, we'll give you all the knowledge you need to take your cover letter from "OK" to "great."

#1. Pick the right template

A good cover letter is all about leaving the right first impression.

And what’s a better way to leave a good impression than through a professional, well-formatted, and visual template?

You can simply pick one of our tried-and-tested cover letter templates and you’ll be all set!

#2. Add your contact details on the header

The best way to start your cover letter is through a header. 

Here’s what you want to include there:

• Phone Number
• Name of the hiring manager / their professional title
• Name of the company you’re applying to

Optionally, you can also include the following:

• Social Media Profiles - Any type of profile that’s relevant to your field. Social Profiles on websites like LinkedIn, GitHub (for developers), Medium (for writers), etc.
• Personal Website - If you have a personal website that somehow adds value to your application, you can mention it. Let’s say you’re a professional writer. In that case, you’d want to link to your content portfolio site or blog.

#3. Greet the hiring manager the right way

Once you’ve listed all your relevant contact information, it’s time to address the hiring manager reading your cover letter. 

A good practice here is to find the hiring manager’s name and address them directly instead of using the traditional “dear sir or madam.” This shows that you’re really invested in the company and that you took your time to do some research about the job.

So, how can you find out the hiring manager’s name?

One way to do this is by looking up the head of the company’s relevant department on LinkedIn. Let’s say you’re applying for the position of Communication Specialist at Novoresume. The hiring manager is probably the Head of Communications or the Chief Communications Office.

Or let’s say you’re applying for the position of server at a restaurant. In that case, you’d be looking to find out who the restaurant manager is.

If this doesn’t work, you can also check out the “Team” page on the company website; there’s a good chance you’ll at least find the right person there.

If you still can’t find out the hiring manager’s name, here are several other greetings you can use:

• Dear [Department] Hiring Manager
• Dear Hiring Manager
• To whom it may concern
• Dear [Department] Team

#4. Create an attention-grabbing introduction

Recruiters get hundreds, sometimes even thousands, of applications. Chances are, they’re not going to be reading every single cover letter end-to-end.

So, it’s essential to catch their attention from the very first paragraph.

The problem with most cover letter opening paragraphs, though, is that they’re usually extremely generic, often looking something like this: 

Hey, my name is Jonathan and I’d like to work as a Sales Manager at XYZ Inc. I’ve worked as a sales manager at MadeUpCompany Inc. for 5+ years, so I believe that I’d be a good fit for the position.

As you can probably tell, this opening paragraph doesn’t tell the hiring manager anything other than that you’ve worked the job before - and that’s not really helpful in setting you apart from other candidates. 

What you want to do, instead, is start off with 2-3 of your top achievements to really grab the reader’s attention. Preferably, the achievements should be as relevant as possible to the position. 

For example:

My name’s Michael and I’d like to help XYZ Inc. hit and exceed its sales goals as a Sales Manager. I’ve worked with Company X, a fin-tech company, for 3+ years. As a Sales Representative, I generated an average of $30,000+ in sales per month (beating the KPIs by around 40%). I believe that my previous industry experience, as well as my excellence in sales, makes me the right candidate for the role of X at Company Y.

The second example shows how the candidate is a top performer. The first just shows that they’ve worked a sales job before.

Which one are YOU more likely to invite for an interview?

#5. Show you’re the perfect person for the job

One great thing about cover letters is that they allow you to expand more on the top achievements from your resume and really show the hiring manager that you’re the right person for the job. 

A good way to do that is to first read the job ad and really understand what skills/experiences are required, and then to ensure that your cover letter touches upon the said skills or experiences.

In my previous role as a Facebook Marketing Expert at XYZ Inc. I handled customer acquisition through ads, managing a monthly Facebook ad budget of $20,000+. As the sole digital marketer at the company, I managed the ad creation and management process end-to-end. This means I created the ad copy and images, as well as picked the targeting, ran optimization trials, and so on.

Other than Facebook advertising, I’ve also delved into other online PPC channels, including:

• Google Search

#6. Explain why you’re a great company fit

The HR manager doesn’t only look at whether you’ll be good at the job or not. They’re looking for someone that’s also a good fit for the company culture.

After all, employees that don’t fit in are bound to quit, sooner or later. This ends up costing the company a ton of money, up to 50% of the employee’s annual salary . 

To convince the hiring manager that you’re a great company fit, do some research on the company and find out what it is you like about them, or about working there. You want to know things like:

• What’s the company’s business model?
• What’s the company's product or service? Have you used it?
• What’s the culture like? Will someone micro-manage your work, or will you have autonomy on how you get things done?

Then, turn your top reasons for liking to work there into text and add them to your cover letter! 

#7. Wrap up with a call to action

To make the end of your cover letter as memorable as possible, you want to:

• Wrap up any points you couldn't in the previous paragraphs. Mention anything you’ve left out that you think could help the hiring manager make up your mind.
• Thank the hiring manager for their time. After all, it never hurts to be polite. 
• Finish the cover letter with a call to action. A call to action is a great way to make your cover letter ending as memorable as possible. 

#8. Write a formal closing

Once you’re done with the final paragraph, all you have to do is write down a formal “goodbye” and you’re good to go.

Feel free to use one of the most popular conclusions in a cover letter:

• Best Regards,
• Kind Regards,

#9. Proofread your cover letter

Last but not least, make sure to always proofread each and every document that you’ll be including in your job application - cover letter included. 

The last thing you want is to be claiming you’re a great candidate for the job with a cover letter full of typos! 

For an even more comprehensive guide on how to write an impactful cover letter , check out our article ! 

Cover Letter Writing Checklist 

Frequently Asked Questions

Do you still have some questions about cover letters? Check out the answers below:

1. How do I write a simple cover letter? 

To write a cover letter that’s simple but also professional, make sure to include a header with your personal information, a formal greeting to the hiring manager, an attention-grabbing opening paragraph, a second paragraph explaining why you’re a good candidate for the job, and a formal closing (preferably with a call to action). 

2. What are the 3 parts of a cover letter? 

The three parts of a cover letter are: 

• The introduction , namely the header, the greeting to the hiring manager, and the opening paragraph. 
• The sales pitch is usually the body of the cover letter. 
• The conclusion involves a formal closing and a signature line.

3. What makes a great cover letter?

A great cover letter should be personalized for each job you’re applying for, instead of being overly generic. It’s also preferable to address the hiring manager by their name and not use the overly-used “Dear Sir/Madam.”

To make a great first impression, you should mention 1-2 of your top achievements in your opening paragraph - the more job-specific they are, the better. Also, don’t stop at showing the hiring manager why you’re a great candidate for the job. Make sure to also talk about how you’re a good culture fit for the company.

Last but not least, wrap up your closing paragraph with a call to action to give the hiring manager a little extra something to remember you by. 

4. When is a cover letter necessary?

Unless the job ad specifically states otherwise, you should always include a cover letter with your job application .

Even if the hiring manager doesn’t read it, you will look more professional simply by including one.

And that’s a wrap! We hope our cover letter examples and writing tips will inspire you to write a cover letter that will land you your next job.

If you’re looking for more invaluable career advice and articles, make sure to check out our career blog , or any of these related articles: 

• How to Write a Resume
• Cover Letter Mistakes to Avoid at All Costs
• Cover Letter Format (w/ Examples & Free Templates)

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The Only Cover Letter Guide You’ll Need in 2024 (+Examples)

• Kaja Jurcisinova , 
• Updated January 16, 2024 13 min read

Oh, the dreaded cover letter. Job seekers hate writing it and nobody knows if anybody even reads cover letters anymore. And yet, not attaching one to your application would be a terrible mistake. This cover letter guide will tell you not only why to write one, but also how to write a really good one.

But first , why does everyone hate writing cover letters so much?   After all, a cover letter gives you a unique opportunity to distinguish yourself from others.

In comparison with a resume, the cover letter allows you to provide details that didn’t fit in on your resume and demonstrate your passion.

All the negativity that surrounds the cover letter probably comes down to the fact that good cover letters require a bit of alchemy. They also take time to write.

This guide will help you avoid any mistakes and write a strong cover letter that will catch the recruiter’s attention. We also include cover letter examples.

Generally speaking, you want to make your cover letter:

• easy to read for the recruiter;
• well-structured;
• max 4 paragraphs/1 page long;
• professional in both tone and greetings;
• tailored for the specific opening.

Let's get to it!

Table of Contents

Click on a section to skip

Why should you write a cover letter?

How do recruiters read cover letters, how to write a great cover letter in 9 simple steps.

• What if you're told to NOT submit a cover letter? 

Final cover letter tips and hacks

Cover letter examples.

So, how exactly is the cover letter important for your job application? 

Some may argue that the cover letter in 2024 isn't really relevant anymore. In fact, one study stated that only 18 percent of hiring managers think cover letters are a key part of an application.

However, don’t get fooled by these statistics. While your resume may be considered more important during the hiring process, including a well-written cover letter can increase your chances of landing a job. 

For instance, 83% of hiring managers would be convinced by a really good cover letter — even if the resume wasn’t good enough, according to this study .

And there's more to it.

Some of the key advantages of the cover letter are:

• It’s much less structured than the resume and lets you develop a story. 
• It gives you space to get a little more creative. 
• Your personality can shine through thanks to it.
• You can elaborate on key achievements mentioned in your resume.
• It helps explain a lack of experience, career change, or an employment gap.

In other words, the cover letter is a perfect chance to bridge the distance between you and a recruiter even before the actual job interview . 

Pro tip: Before writing a cover letter, make sure that you have a powerful resume that matches the job description. Because if your resume doesn’t fit a desired profile, your cover letter probably won’t get read at all. To learn more, you may want to check out our  Ultimate Resume Guide .

First, they read them to decide if you’re the right fit for a position. For this reason, avoid generic write-ups at all costs. What recruiters love to see is a short persuasive argument of why you fit the role and the company. Something like this: 

“I was happy to hear about this job opening from my former manager, Jane Anne. She and I have worked together on many projects throughout the years and she thought that I would be the perfect match for this position.“

Second, recruiters are looking for inconsistencies . For instance, if your resume shows attention to detail but your cover letter is addressed to the wrong person, wrong company, and is filled with typos, it's inconsistent. You want to ensure the number of inconsistencies is kept to a minimum.

Third, they're trying to get a hint of your personality . Cultural fit is important to many companies.

So, throughout the process of cover letter writing, it's essential to keep in mind the recruiter who's going to be the recipient of your letter. 

Because at the end of a day, a good cover letter shouldn't be solely about you — it's supposed to be written with the hiring manager in mind. 

So ask yourself:  

• Is my cover letter easy to read?
• Have I addressed the right person in the opening?  
• Will it help them decide if I'm the right fit?
• Did I use the right tone of voice that fits their company culture?

If you answered “no” to any of these questions, our cover letter guide is exactly for you.

Writing a cover letter may seem like a challenging task at first but if you know a few key cover letter rules, the process can become much easier. 

Before you start writing your cover letter, find out more about the company you're applying for. Look at their website and LinkedIn . The research also includes looking at the job description very closely and identifying any recurring keywords. Also, search for specific cover letter examples for the role online.

Placed at the very beginning of your cover letter, the header is where you include your contact information (i.e. your full name, email address, phone number) and the company's contact information (i.e. the manager’s or recruiter’s name, job title, department, the name of the company, company’s address). 

When in doubt, try to use this formula: Number or Trigger word + Adjective + Keyword + Promise.  The result can look something like this: 5 Ways I Can Help You Improve Your Company’s [insert a position-related keyword]

If the name of the hiring manager isn't written in the job posting, research their name and contact information online. For example, look at the company's page or LinkedIn. Then, greet them by saying "Dear [first name]" . If, however, the company culture is very formal, go for the classic "Dear Hiring Manager" .

The first paragraph is the perfect place to shortly explain why the job seems exciting to you and why you’re the right person for it .  You can also compliment the company or name a mutual acquaintance who referred you.

Try to answer these questions: 1. What did you do at a previous position that gave you relevant experience?  2. How could this experience help the new company grow? 3. Which of the projects you have worked on would benefit their business? 4. Which of your skills make you well-equipped for the position?  5. Do any of these skills give you an edge over other candidates?

The following questions should help you : What excites you about the idea of working at this company? How do the company goals align with your own? What do you hope to gain and learn from working there?

In the cover letter closing paragraph : reiterate that your experience and enthusiasm make you a great candidate, add a confident call to action, express gratitude, and always use a formal sign-off.

You can either attach the cover letter as a separate document in the email when sending your resume , or send it directly in the body of the email (that way they can't ignore it).

In the following chapters we look at each step more closely and include specific examples you can copy and paste.

Step 1: Prepare and do some research 

Knowledge is power. Before you begin writing:

• Find out more about the company and the position you're applying for. Spend some time on the company’s website, its executives’ Twitter feeds, and employee profiles on LinkedIn. It will also help you decide on the tone of your cover letter. For example, if it’s a company like Kickresume , you can easily get away with more unusual approaches. But if it’s a conservative institution, like a bank or a lawyer's office, you should probably keep it formal.
• Search for specific cover letter examples for your role online . Pick some examples that fit your role and use these for inspiration. (By the way, that link just now will take you to our database of successful cover letters from real people who got hired. Totally worth checking out.)
• Look at the job descriptions of the roles you’re applying for . Identify major experience and hard skill keywords, so you can insert them in your letter in the relevant sections.

Once you've done this basic research, you can finally start thinking about the structure of your cover letter. 

This short infographic will show you that writing a cover letter is a lot simpler than you might have thought: 

Step 2: Include a header with basic info rmation

Placed at the very beginning of your cover letter, the header is the place where you should include your contact information and the contact information of the company. 

A cover letter is still a letter, after all. 

At the left side of the page include the information based on which you can be reached by the recruiter. 

Here, make sure to include: 

• your full name
• your email address
• phone number

Optionally, you can also add:

• your professional title
• address (if it vaguely matches the location of the job offer)
• current date
• personal website/LinkedIn

The top right side of the page is reserved for company-related information. Here, you should put: 

• the manager’s or recruiter’s name (if available)
• job title 
• the name of the company
• company’s address

Not a fan of writing?

Our AI writer will write the first draft of your cover letter for you.

Step 3: Write a strong cover letter headline

When you’re browsing the web, what articles usually catch your attention? Those with great headlines, of course! 

The same applies to cover letter headlines.

Start by paying attention to the headlines around you — especially in tabloids and websites like Buzzfeed (Is Buzzfeed still a thing? How very 2010s of me). These are usually designed to stir up your interest and make it impossible to not click through. 

Notice how they use numbers, questions, and interesting adjectives to promise the reader to learn something valuable.

And you can do the same in your cover letter.

When in doubt, try to use this formula: Number or Trigger word + Adjective + Keyword + Promise. 

The result can look something like this: 

• 3 Reasons Why I’m An Excellent Fit For [Job Position]
• Are You Still Looking To Fill The Position Of [Job Position]? This Is Why I Believe I’m Exactly Who You’re Looking For
• 5 Ways I Can Help You Improve Your Company’s [insert a position-related keyword]

Finally, don’t forget to adjust your header to the company’s level of formality and put your headline in the subject of the email.

Step 4: Use the correct form of greeting

In this time and age, there’s no excuse for using “To Whom It May Concern.”  

If the name of the hiring manager isn't written in the job posting, you’re expected to research their name and contact information online. For example, look at the company's page or LinkedIn. 

Once you have their name, feel free to go for a personalized greeting: 

“Dear [first name]” or “Dear Mr./Mrs. [last name]” 

Honorifics (e.g. Mr., Mrs., Ms .) are more appropriate if the company’s culture is formal. 

And if you cannot find the recruiter’s name, it's okay to go for a generic: 

“Dear Hiring Manager”, or “Dear Recruitment Officer”

Alternatively, you can address the letter to the whole company team or the HR department. In this case, your greeting should look like this: 

“Dear [name of the company/department] Team” or “Dear Human Resources”

Step 5: First paragraph: Introduce yourself with a BANG!

The best way to start a cover letter is to open strong. The first impression matters the most and busy recruiters often have a chance to properly dive into only a few selected cover letters. 

So if you make your first paragraph captivating, chances are that your letter will be one of the lucky ones that actually end up being read. 

In fact, the first paragraph is the perfect place to shortly explain why the job seems exciting to you and why you’re the right person for it. 

While most people begin their letters with “I’m applying for the position X I saw in Y place,” it's a waste of space. 

Instead, open with a sentence like this:

“I’m a content marketing professional with more than 5 years of experience and I’d love to bring my ability and passion to your team.”

In the first paragraph, you can also:

• Compliment the company. Show that you know details about the company and you’re approaching it for a reason. For example, demonstrate appreciation for what the company does. Not only will this flatter them, but it will also provide them with insight into who you are.
• Name a mutual acquaintance if you can. This is sometimes called a “magic bullet,” as it’s the one thing that will assure the hiring manager reads your cover letter until the end. 

However, limit the introduction to 1-3 sentences. This isn’t the place to go into detail about what makes you ideal for the role — save that for the second and third paragraphs. 

Step 6: Second paragraph: Explain why you’re a great fit for the company

The second paragraph is the place where you should sell yourself and your experience.  

Here, write a short summary of your career, skills and accomplishments, tailored to fit what the company is looking for. 

You already did your research, so now it's time to ask yourself these questions and try to address them in your cover letter:

• What did you do at a previous position that gave you relevant experience? 
• How could this experience help the new company grow?
• Which of the projects you have worked on would benefit their business?
• Which of your skills make you well-equipped for the position? 
• Do any of these skills give you an edge over other candidates?

After you’ve picked the most relevant accomplishments, put them at the start of your letter. 

However, when talking about them, avoid sounding like you’re bragging. The best way of doing this is to focus on your experiences rather than yourself . Ideally, support your claims with concrete examples.

Also, mention any other additional relevant hard skills or knowledge areas they’re looking for, as well as any qualifications.

Finally, the second paragraph is the perfect place for showing that you’ve done your research. Demonstrate that you’re familiar with some of the challenges that the company faces and present how you can help them.

Pro tip: Don’t simply repeat the same things you’ve already put on your resume. You want to go beyond that (this applies to every other section of your cover letter). 

Step 7: Third paragraph: Explain why the company is a great fit for you 

In this paragraph, you want to show that you’re serious about developing your career at this new company. And good companies want to know why they appeal to you and how will your professional relationship be mutually beneficial. 

Consider addressing the following questions:

• What excites you about the idea of working at this company?
• How do the company goals align with your own?
• What do you hope to gain and learn from working there?

For example, you can say something like this: “I've seen on your website that you heavily focus on cryptocurrency projects. As a cryptocurrency enthusiast, I would love to join your team”.  

However, don’t go overboard with flattery and stay professional. 

Also, don’t say anything that isn't true or you don’t mean it, as it will probably come up again in the later stages of the application process.

Step 8: Closing paragraph: Finish strong and stay in touch

Now that you’ve nailed the main part of your cover letter, you also want to finish strong. This way, the recruiter will remember you in a good light. But how do you achieve that? 

• Reiterate that your experience and enthusiasm make you a great candidate. This is to emphasize the two main points from the previous paragraphs. Do this in one or two sentences, not more. 
• Add a confident call to action. In a sentence or two, you should suggest the next steps. Something like “ I would love the opportunity to meet with you and discuss the value I can bring to [company]."
• Express gratitude. Simply thank them for their time and for considering your application.
• Always use a formal sign-off. Something like “ Sincerely , Best wishes , or Respectfully” . Finish by typing out your full name. 

Step 9: How do you send a cover letter?

I can’t stress this enough — unless it's specifically required to attach the cover letter to the body of the email,  consider not sending your cover letter as a document attached to your email. 

Instead, put it inside the body of the email . The email itself is now your cover letter! This way the recruiter won't ignore it.

However, remember that hiring managers receive hundreds of emails a day. So if you want your email to get read, it's the subject line that's likely to play the most important part. 

As we've advised before, if you have a good resume headline, simply put it in the email subject. 

However, if you’re unhappy with the result, you have other options, too. 

For instance, if you have a reference, include it already in your email subject line: 

Referral from Jose Nachos: Pedro Tacos, candidate for a senior software analyst position

If you don't have a reference or a catchy headline, check out more tips on how to write the best subject line for your email .

Finished writing your cover letter?

Make it stand out with an eye-catching design.

What if you're told to NOT submit a cover letter? 

Today, many companies are using online application systems that discourage applicants from attaching a cover letter. 

Instead, they have their own application systems where in different sections you're required to fill in the information you would normally place in your cover letter.  

If this is the case, just work with the format they gave you.

In other words, include the same information that you'd normally have in your cover letter but place it in the correct sections. 

And don’t forget to follow the cover letter principles: 

• explain why you're the right candidate;
• make it clear that you've researched the company well;
• indicate in what way you'd be an asset;
• mention your biggest past achievements.

Because no matter the format, you're still expected to present your skills and convey enthusiasm about the job.

Alternatively, you can also try to find a relevant manager or a recruiter online (either on the company pages or LinkedIn) to whom you can send a brief follow-up email with an attached cover letter. 

Now that we've covered the basics, there are several other tips that you should keep in mind to elevate your cover letter to the next level: 

• Keep it short. Limit your cover letter to three to four paragraphs and a maximum of one page. Hiring managers are busy people who often don't have time for reading long texts.
• Keep it clean and easy on the eye. Take a look at how this article is written. It’s replete with short paragraphs, sentences typed in bold letters, bullet points, and numbers. All of these make reading and searching for specific information easier. So, never send a letter that looks like an unreadable wall of text. The easiest way to achieve a sleek cover letter design is to use a pre-formatted cover letter template . 
• Don’t risk being funny if it ’ s a company with a formal work culture. Poorly executed humor will hurt your chances rather than help. Being direct and dynamic is a much surer way to catch the recruiter’s attention than a number of jokes. On the other, if the company is smaller or known for its creative products, being original may in fact help your chances! 
• Show, don’t tell. Usually, there’s no point in saying you’re “a dependable hard worker” or “a creative thinker.” Why should anyone believe such generic statements? Instead, offer an example of how these qualities helped you achieve something in the past.
• Never write the same letter twice. A cover letter should always be tailored to a specific job application. Remember the previous sections? You’ve made a great effort to research the company and its hiring managers, so you’ve written your cover letter accordingly. This is a process you need to repeat with every application (ugh, I know). 
• Check for typos. This goes without saying but make 100% sure your cover letter is without typos. There’s no reason to believe you're competent if you can't even type without errors. Moreover, typos automatically reveal almost criminal carelessness on your part, since every text editor nowadays has a spellchecking feature. 
• Don't use any buzzwords. Your cover letter needs to be authentic and persuasive — and buzzwords are neither. If anything, they simply give the impression of you being someone who's just trying to fit a skewed idea of what an ideal corporate employee should be. Instead, focus on using relevant keywords from job descriptions.

Now, if you have no experience yet because you're just starting out or you're changing careers, writing a cover letter can be scary. However, a well-written letter can actually be your best friend.

And this is how you write the perfect cover letter with no experience .

In the end, there are many different ways to write a great cover letter. And even if you follow the cover letter guide above, you’ll end up with a cover letter that's invariably your own. 

It all depends on your own personality, the position you’re applying for, and the hiring manager’s preferences. 

And that's good, actually! 

Still, there's a lot to learn from cover letters written by other people. That's why we've selected five cover letter samples that deserve your attention. 

Each of these helped real job seekers find real jobs in real companies. They'll teach you valuable lessons you can use in your own cover letter.

1. Norwegian — Cabin Crew Cover Letter Example

This cover letter sample was provided by a real person who got hired with Kickresume’s help.

2. Volvo — Machine Learning Intern Cover Letter Example

3. tory burch — account executive cover letter example, 4. lush — sales associate cover letter example, 5. romeo — social media officer cover letter example.

Do you still need some more inspiration? You can find more examples in our cover letter library

FAQ: How to write a cover letter

250 to 400 words is the standard cover letter length range. A cover letter should never exceed one page.

Yes! Show that you can go that extra mile and stand out from the crowd of applicants.

Ideally, use a pre-formatted cover letter template. Then use a simple and professional font, such as Times New Roman. The font size should be between 10-12.

If you have the name of the hiring manager, try to find their contact on the company page or LinkedIn. If you still can't find the right person, you can address it to the whole team or HR.

This article was recently updated. The original article was written by Martin Poduska in 201 7.

Kaja Jurcisinova is a junior copywriter at Kickresume. Kaja completed her undergraduate degree in Art History at the University of St Andrews in 2018 and graduated with a Master’s in Arts and Culture from the University of Groningen in 2021. She was an intern at multiple cultural institutions across Europe, including the Dutch Museum Association in Amsterdam, the Matter of Art Biennale in Prague, and the European Cultural Centre in Venice. At the moment, she resides in Visby on the Swedish island of Gotland.

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How To Write A Cover Letter For A Job In 2023 (With Examples)

• How To Write A Cover Letter
• When Is A Cover Letter Necessary
• Free Cover Letter Templates
• Cover Letter Mistakes To Avoid
• Cover Letter Tips
• How To Sell Yourself In A Cover Letter

Find a Job You Really Want In

Cover letters aren’t required with every application, but the majority of managers pay more attention to a candidate who includes a cover letter. This is especially so if you make an effort to tailor your letter to the specific position. It’s important not to just change the names and job positions, but also to show how your professional experience fits with the job.

A good cover letter greatly increases your chance of getting an interview. If you’re looking to write a cover letter, rework a letter that you have, or just want to know what’s involved in the job application process, then keep reading.

Key Takeaways:

A cover letter should be a maximum of one page long, with three to five paragraphs.

Before writing your cover letter, it’s important to reread the job description and include keywords from it.

Do research to figure out who you are addressing, and make sure to keep your greeting gender neutral if you don’t know.

Tailoring your resume to each job can help you stand out from other candidates.

What is a cover letter?

Why cover letters are important, how to write a cover letter, cover letter examples, cover letter template, do’s and don’ts in a cover letter, cover letter faq, expert opinion.

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A cover letter is a one-page document that describes your professional background, fitness for the role, and interest in the company. Cover letters are a way of introducing yourself to hiring managers in a more engaging way than resumes can.

While your resume spells out the “who, what, where, when” of your relevant experience, a cover letter fills in the “why” and “how.” A good cover letter not only expands on your resume’s accomplishments but also highlights the soft skills that make you an excellent person to work alongside.

While there are no official formatting guidelines for cover letters, hiring managers and recruiters do have certain expectations regarding structure, length, and content.

Writing a good cover letter is important because it is your chance to stand out from other potential candidates. Showing your personality while also matching the tone of the company will help recruiters to visualize how you could fit into the role.

Simply submitting a cover letter isn’t enough though. Each cover letter you write should be specifically tailored to the job you’re applying for (just like resumes). It’s essential that you show the reader that you’ve done your homework and understand exactly what function you’d be serving if hired. You do that by providing examples of past work experiences that directly relate to the responsibilities of the new job.

Cover letters are inherently unique based on who’s writing them and for what position. However, as a cover letter is a business letter, it has an expected format that it should follow. This is important because you want the hiring manager to be able to look over your cover letter quickly and understand your qualifications and interest in the position.

Here’s the standard way that a cover letter should be formatted and what to include:

The header. The header of your letter is where you should input all of the contact information for yourself and the hiring manager . Do you best to address it directly to the person who’ll be reading the letter — typically either the hiring manager or HR manager.

Traditionally, you should include both your name and address and the employer’s name and address. However, as the majority of applications are online, the employer’s address is often omitted. But a traditional cover letter’s heading would look like this:

Page Roman 444 Frog Rd. Marigold, TX, 10987 August 27th, 2021 Chris Morgan Marketing Manager New Media Company 833 Rune Rd. Marigold, TX, 10987

If you’re emailing your cover letter, you can simply include your name, telephone number, email address, and fewer address details (just your city and state will suffice). You can also include a zip code if you live in a big city with multiple zip codes.

Jessica Dancer jessica. dancer @email.email | (555)-444-3333 | Colombus, OH 43110

Be sure to use a professional-sounding email address that’s not associated with your current or past employer. It’s disrespectful to both your current employer and the company you’re applying to, and will likely hurt your chances of being invited for an interview.

The greeting or salutation. Traditionally, the best salutation would be to use Dear Mr./Ms. [Last Name]. Make sure that you know the person’s gender when doing this, however, as you don’t want to misgender the hiring manager. Using “Dear [First Name] [Last Name]” is becoming more popular for this reason, patriotically among younger workers.

Dear Mr. Morgan, Dear Mrs. Smith Dear Ms. Conner

Avoid using generic greetings such as “To whom it may concern” as it’ll look like you didn’t bother to personalize the letter (even if you did.) That particular phrase has become somewhat controversial as well, so if you need to put a generic address — if you can’t find the hiring manager’s name, for instance — use something else, such as:

Dear Hiring Manager Dear [Department] Manager Dear [Title of the Person You’d Report to if Hired] Dear [Department] Hiring Team

Opening paragraph. The opening of your professional cover letter should instantly grab the attention of your reader . Try to lead off with one of your most relevant and impressive accomplishments.

Open strong . Open with a statement other than your name or stating your interest in the position. Lead with an interesting experience or achievement that directly relates to the new position.

Convey your personal value. There are always other qualified applicants with similar skills, so it is key to express why you personally would bring value to the organization. Give specific details as to the value you brought in a previous position, and how that could transfer to the new role.

Show your enthusiasm. Recruiters want to hire candidates who are excited about the position. Express enthusiasm and convey why you are passionate about the role. This is another opportunity to share a quick personal anecdote related to the job.

Keep it short. All of these points in your opening paragraph shouldn’t be more than a sentence or two each. You don’t want your introduction to be too long, as you want the reader to be able to quickly go through your cover letter.

As a Content Writer with a passion for travel and literature, I was thrilled to see the Senior Content Writer position open up at BookFly. My past experience driving organic traffic by 23% YoY to the travel website, XTravel, would translate perfectly into the position’s stated goals from the job description.

First body paragraph. Here is where you should really sell yourself across several areas. Showcase how your personality traits, such as being honest or having the ability to work under pressure, make you a good fit.

Emphasize transferable skills. Explain how the skills you’ve cultivated make you the perfect fit for the role. This can include collaborative work you’ve done in the past, a leadership role you had that drove results, or interpersonal skills.

Revisit the job description. Make sure to pull relevant skills from the job description and put them in your cover letter. If the hiring manager spent the time to list those skills, they’re going to be looking for candidates that have them.

It also helps with applicant tracking systems that may sift through cover letters looking for keywords.

Don’t skimp on personality traits. These are especially important if you don’t have a lot of experience. Desirable skills such as ambition, dedication, and getting work done on time are good for both entry-level positions and if you’re making a career change.

I have a passion for content creation and a deep understanding of the content cycle, from ideation to promotion. My years in the digital publishing world have crafted my ability to drive killer CTR and resonate with an audience. Not only did CTR jump by 2.1% in the months after I was brought on board, but it had a knock-on effect on social media engagement, which rose by 8% in the same time frame. I believe good content has its roots in good data. This is why while at Media Company I created a content-marketing dashboard to highlight KPIs like those mentioned above. The dashboard allowed us to take advantage of wins more rapidly and avoid repeating losses.

Second body paragraph. Just as an employer wants to know why you’d want the role, they also want to know why you’d want to work at their company. Do your research and learn more about the core values of the company. Discuss how they align with your own.

Check the company’s website but also start to explore LinkedIn for greater insights. Employers want to make sure that you fit into the overall culture, and this is also something you should consider for yourself. However you feel you fit into the work culture, explain to the recruiter why. Paint a picture of how you’ll be better from the company, and how the company will also benefit.

I thrive in a fast-paced environment and excel at creating structures from scratch. I spearheaded our SEO efforts, developing workflows and systems to ramp up content production from zero. BookFly’s commitment to core values of “collaboration and imagination” aligns with my own preferred approach to tackling projects and dreaming of big ideas.

Closing. The closing of your letter is your final impression to the hiring manager, and therefore should clearly express your eagerness to take on the position. You don’t need to rehash all of the accomplishments and skills highlighted in previous sections. Consider this more of a statement of intent.

First, express gratitude that they took the time to consider you for the job by making it all the way through your letter. Then, quickly remind them of the benefits that you can bring to the role and company.

Finally, your closing should state a clear call-to-action (CTA) for the recruiter to take next, such as calling you to schedule an interview. Being confident and direct at the end of your cover letter helps to close the deal.

I look forward to learning more about how the Senior Content Writer operates within BookFly and the current content process. Thank you for taking the time to consider my application. Sincerely, Jessica Dancer

With thousands of cover letter templates on the internet, you want to make sure you choose the right one. Here’s a basic format of what a good cover letter will contain:

Jessica Dancer [email protected] | (555)-444-3333 | Colombus, OH 43110 Dear Mr. Morgan, As a Content Writer with a passion for travel and literature, I was thrilled to see the Senior Content Writer position open up at BookFly. My past experience driving organic traffic by 23% YoY to the travel website, XTravel, would translate perfectly into the position’s stated goals from the job description. I have a passion for content creation and a deep understanding of the content cycle, from ideation to promotion. My years in the digital publishing world have crafted my ability to drive killer CTR and resonate with an audience. Not only did CTR jump by 2.1% in the months after I was brought on board, but it had a knock-on effect on social media engagement, which rose by 8% in the same time frame. I believe good content has its roots in good data. This is why while at Media Company I created a content-marketing dashboard to highlight KPIs like those mentioned above. The dashboard allowed us to take advantage of wins more rapidly and avoid repeating losses. I thrive in a fast-paced environment and excel at creating structures from scratch. I spearheaded our SEO efforts, developing workflows and systems to ramp up content production from zero. BookFly’s commitment to core values of “collaboration and imagination” aligns with my own preferred approach to tackling projects and dreaming of big ideas. I look forward to learning more about how the Senior Content Writer operates within BookFly and the current content process. Thank you for taking the time to consider my application. Sincerely, Jessica Dancer

If you’re putting the cover letter in an email, you can omit putting the contact information at the top and instead include it below your signature. You want to make sure to include your name, phone number, and LinkedIn link, as well as a professional portfolio , if applicable.

Dear hiring manager: I am writing about the position of veterinary receptionist at Pet Care Clinic posted on indeed.com. I am a certified dog trainer with both Petsmart and Petco, allowing me insight into animal behavior. I’m also an aspiring novelist , making me a fast, experienced typist as well as adept with Microsoft Word and Apple Pages. Since I’ve worked at pet stores for several years, I am familiar with different kinds of animal and animal care, as well as building a rapport with pet owners. While I enjoy working with animals and my coworkers, I would like to move into a business where I can continue to learn and build on my experience. I would also like to work for a smaller business. Veterinary medicine has always interested me, and I very much enjoy learning new things. I’m eager to learn more about it in order to help customers make the best choices for their pets. I’ve always enjoyed working with animals, even before I was able to get a job that allowed me to. I grew up with dogs and cats, so I’m comfortable and familiar with their behavior. Being a pet owner myself, I’m able to understand what customers are looking for in a veterinary clinic and tailor the experience to their needs. Thank you for your time and I look forward to hearing from you. Sincerely, Michelle Bolivar Email: [email protected] Phone: (555) 545-9706

[your contact information] [date] Dear [Hiring Manager], I’m writing to apply for the open [position] at [company] that you posted [place job ad was found]. I believe that my [relevant experience] would be an excellent fit with [company name]. I have long been interested in [specific industry/department], and particularly your company because [why you’re interested in the company/awards they have won/accomplishments]. That experience and [relevant skills] that I’ve cultivated as a [current position] for [time worked in position or industry] will be an asset to the company as it’ll make me effective [at the job/particular aspect of the job]. The [responsibilities required in the job description] will be a [challenge/interesting task] and I look forward to making use of my [relevant skills]. I excel at [working with a team/working alone] and I want to use my expertise to further [company’s] success. I am excited about the possibilities this position holds, and I believe that my qualifications ensure I’d be an asset to your team. I look forward to being able to further discuss the details of the position and my qualifications with you in an interview. Please let me know if you require further information from me. Thank you for your time and I look forward to hearing from you. Sincerely, [Your name] [Your contact information (if it’s an email)

Knowing the proper format of a cover letter is the most important factor, of course, but there are some additional dos and don’ts that if you follow can make your cover letter better. It’s during the editing process, it’s important to go over and make sure that you haven’t made any common mistakes that’ll hurt your chances.

Here are 10 dos and don’ts for writing a good cover letter:

Do’s:

Do start by scanning the original job posting for keywords you can include in your letter.

Do be proud of your accomplishments and make sure to highlight them.

Do clearly express why you would be an asset to the organization.

Do tailor your cover letter to every hiring manager and position that you apply for.

Do try to find unique experiences, but make sure to always discuss measurable and relevant results.

Don’ts:

Don’t feel the need to lie about your skills or accomplishments. One of the worst mistakes to make is being caught in a lie.

Don’t copy and paste a template and only change your name and job titles. Recruiters will not see the value in a plug-in-play cover letter that has been used by multiple applicants.

Don’t forget to be direct and include a call to action.

Don’t make your cover letter too long. Similar to your resume, you want the reader to sum up who you are and get a quick explanation of why you’re a good fit.

Don’t forget to proofread. Grammatical errors on a cover letter and resume are a quick way to get your packet in the “no pile”.

What do you write in a cover letter?

In a cover letter, you should mostly write about impressive accomplishments from past jobs or academic experiences that relate to the job you’re applying for.

What is the purpose of cover letter?

The purpose of a cover letter is to help a hiring manager see why your background makes you suitable for the role in question. While a resume lists achievements, educational background , and skills , it doesn’t give the reader an idea of your actual expertise or personality.

A cover letter allows you to share your approach to work, as well as your ability to communicate your value effectively. A good cover letter makes it easy for a reader to think “I could imagine this person working for us.”

How do you write a simple cover letter?

To write a simple cover letter, start with the header and greeting we outlined above. Next, state your interest in the position (give the exact job title as listed in the job description) and mention your years of industry/job experience.

To keep your cover letter simple, you can now briefly mention in 1-2 sentences or 3-4 bullet points what parts of your background are most important for the hiring manager.

Finally, thank the reader for considering your application, and sign off as usual (e.g., “Sincerely, [full name]”).

What is the best way to start a cover letter?

The best way to start a cover letter is with an accomplishment that speaks directly to your ability to provide value for the company. Other good strategies include describing your long-standing passion for the field, mentioning an important reference at the company, or referring specifically to challenges the company is currently facing.

Do you introduce yourself in a cover letter?

No, you do not introduce yourself in a cover letter. By that we mean you do not say “My name is so-and-so” — you simply jump into your background and why you’re interested in the position.

Your name can be found at the bottom of the cover letter, as well as the header, your email address, and your resume, so there’s no need to force it awkwardly into your cover letter’s opening.

How do you end a cover letter?

To end a cover letter, thank the reader for their time and/or consideration, express enthusiasm for further correspondence and conversation, and sign off with a standard closing like “Sincerely.”

How long should a cover letter be?

A cover letter should be a maximum of one page long, with three to five paragraphs. Half a page is the shortest that your cover letter should be.

Harvard Business Review — How to Write a Cover Letter

University of Washington — Writing the Cover Letter

What’s a quick cover letter tip?

Michael Akbar Vice President Certified Professional Career Coach

Use your six seconds to show the employer in a tailored cover letter and resume that you understand their pain and will make their lives better if put in the position.

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Chris Kolmar is a co-founder of Zippia and the editor-in-chief of the Zippia career advice blog. He has hired over 50 people in his career, been hired five times, and wants to help you land your next job. His research has been featured on the New York Times, Thrillist, VOX, The Atlantic, and a host of local news. More recently, he's been quoted on USA Today, BusinessInsider, and CNBC.

Matt Warzel a President of a resume writing firm (MJW Careers, LLC) with 15+ years of recruitment, outplacement, career coaching and resume writing experience. Matt is also a Certified Professional Resume Writer (CPRW) and Certified Internet Recruiter (CIR) with a Bachelor of Science in Business Administration (Marketing Focus) from John Carroll University.

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How To Write An Entry-Level Cover Letter (With Examples)

How To Write A Cover Letter Opening (With Examples)

Cover Letter Examples for Every Situation

How To End A Cover Letter (With Examples)

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Resume Worded

Proven cover letter samples, curated by recruiters [updated for 2024].

Most people write generic, weak cover letters and wonder why they don't get interviews. So to help you, we've handpicked thousands of effective cover letters that got people like you hired. Use them as inspiration to write your own.

Table of contents

Data & analytics roles.

• Data Engineer Cover Letter
• Business Analyst Cover Letter
• Data Scientist Cover Letter
• SQL Developer Cover Letter
• Supply Chain Planner Cover Letter
• Program Analyst Cover Letter
• Intelligence Analyst Cover Letter
• Director of Analytics Cover Letter
• Reporting Analyst Cover Letter
• Data Specialist Cover Letter

Manager Roles

• Program Manager Cover Letter
• Project Manager Cover Letter
• Product Manager Cover Letter
• Operations Manager Cover Letter
• Social Media Manager Cover Letter
• Creative Director Cover Letter
• Product Owner Cover Letter
• IT Manager Cover Letter
• Office Manager Cover Letter
• Production Manager Cover Letter
• Project Coordinator Cover Letter
• Brand Manager Cover Letter
• Construction Manager Cover Letter
• Chief of Staff Cover Letter
• Vice President of Operations Cover Letter
• Chief Digital Officer Cover Letter
• Project Leader Cover Letter
• Technology Director Cover Letter
• Director of Information Technology Cover Letter
• Director of Operations Cover Letter
• Director of Engineering Cover Letter

Engineering Roles

• Software Engineer Cover Letter
• Software Developer Cover Letter
• Web Developer Cover Letter
• Programmer Cover Letter
• Front End Developer Cover Letter
• Full Stack Developer Cover Letter
• Java Developer Cover Letter
• Python Developer Cover Letter
• Quality Assurance Tester Cover Letter
• Quality Engineer Cover Letter
• Electrical Engineer Cover Letter
• System Administrator Cover Letter
• Scrum Master Cover Letter
• Civil Engineer Cover Letter
• Network Administrator Cover Letter
• Mechanical Engineer Cover Letter
• Network Engineer Cover Letter
• Data Integration Architect Cover Letter
• Engineering Manager Cover Letter
• Service Technician Cover Letter
• Platform Engineer Cover Letter
• Automation Engineer Cover Letter
• Project Engineer Cover Letter
• Electronic Technician Cover Letter
• System Engineer Cover Letter
• IT Specialist Cover Letter
• Packaging Engineer Cover Letter
• Cloud Developer Cover Letter
• ETL Developer Cover Letter
• Sharepoint Developer Cover Letter
• Audio Engineer Cover Letter
• Industrial Engineer Cover Letter
• Maintenance Technician Cover Letter
• Solutions Architect Cover Letter
• Implementation Specialist Cover Letter
• Software Architect Cover Letter
• PHP Developer Cover Letter
• Biomedical Engineer Cover Letter
• Security Analyst Cover Letter
• IT Auditor Cover Letter
• Director of Software Engineering Cover Letter
• Environmental Engineer Cover Letter
• Materials Engineer Cover Letter
• UAT Tester Cover Letter

Finance Roles

• Bookkeeper Cover Letter
• Financial Analyst Cover Letter
• Accountant Cover Letter
• Financial Advisor Cover Letter
• Auditor Cover Letter
• Financial Controller Cover Letter
• Purchasing Manager Cover Letter
• Loan Processor Cover Letter
• Finance Director Cover Letter
• Credit Analyst Cover Letter
• Finance Executive Cover Letter
• VP of Finance Cover Letter
• Claims Adjuster Cover Letter
• Payroll Specialist Cover Letter
• Cost Analyst Cover Letter

Marketing Roles

• Marketing Manager Cover Letter
• Event Coordinator Cover Letter
• Content Creator Cover Letter
• Content Writer Cover Letter
• Video Editor Cover Letter
• Marketing Executive Cover Letter
• Digital Strategist Cover Letter
• Brand Ambassador Cover Letter
• Technical Writer Cover Letter
• Director of Marketing Cover Letter
• Brand Strategist Cover Letter
• Campaign Manager Cover Letter

Administrative Roles

• Virtual Assistant Cover Letter
• Administrative Assistant Cover Letter
• Executive Assistant Cover Letter
• Research Assistant Cover Letter
• Inventory Manager Cover Letter
• Warehouse Manager Cover Letter
• Administrative Coordinator Cover Letter
• Project Administrator Cover Letter

Sales Roles

• Account Manager Cover Letter
• Account Executive Cover Letter
• Sales Manager Cover Letter
• Sales Associate Cover Letter
• Real Estate Agent Cover Letter
• Sales Engineer Cover Letter
• Inside Sales Representative Cover Letter
• Copywriter Cover Letter
• Buyer Cover Letter
• Director of Sales Cover Letter
• Hotel Manager Cover Letter
• Sales Coordinator Cover Letter
• Engagement Manager Cover Letter
• Sales Executive Cover Letter
• Sales Leader Cover Letter
• Relationship Manager Cover Letter

Design Roles

• UX Designer (User Experience Designer) Cover Letter
• UX Researcher Cover Letter
• Architect / Architecture Cover Letter
• Graphic Designer Cover Letter
• Game Design Cover Letter
• Interior Designer Cover Letter
• Production Assistant Cover Letter
• Art Director Cover Letter
• Design Director Cover Letter

Legal Roles

• Attorney Cover Letter
• Lawyer Cover Letter
• Underwriter Cover Letter
• Contract Specialist Cover Letter

Other Roles

• Recruiter Cover Letter
• Demand Planning Manager Cover Letter
• Consultant Cover Letter
• Correctional Officer Cover Letter
• Production Planner Cover Letter
• Teacher Cover Letter
• Plant Manager Cover Letter
• Recruiting Coordinator Cover Letter
• Business Owner Cover Letter
• Site Manager Cover Letter
• Orientation Leader Cover Letter

Research & Science Roles

• Environmental Scientist Cover Letter

Medical Roles

• General Nurse Cover Letter
• Dental Assistant Cover Letter
• Case Manager Cover Letter
• Respiratory Therapist Cover Letter
• Therapist Cover Letter
• Care Coordinator Cover Letter
• Occupational Therapist Cover Letter
• Radiologic Technologist Cover Letter
• Pharmacy Technician Cover Letter
• Medical Technologist Cover Letter
• Microbiologist Cover Letter

Thank you for the checklist! I realized I was making so many mistakes on my resume that I've now fixed. I'm much more confident in my resume now.

The 23 Best Cover Letter Examples: What They Got Right

Published: December 14, 2023

I've sent plenty of cover letters throughout my career, so I know it isn't usually fun to write one. Fortunately, the cover letter examples I painstakingly gathered below show that it’s possible to have a little fun with your job search — and maybe even make yourself a better candidate in the process.

I was shocked upon learning 45% of job seekers don't include a cover letter when applying for a job. I definitely don't recommend following the crowd on this matter because your cover letter is a chance to tell the stories your resume only outlines.

It's an opportunity for you to highlight your creativity at the earliest stage of the recruitment process.

Are you ready to showcase your unique skills and experience? Or are you looking for more tips and cover letter inspiration?

Keep reading for 20+ cover letter examples, then check out tips for cover letter formatting and what makes a cover letter great .

5 Free Cover Letter Templates

Five fill-in-the-blank cover letter templates to help you impress recruiters.

• Standard Cover Letter Template
• Entry-Level Cover Letter Template
• Data-Driven Cover Letter Template

You're all set!

Click this link to access this resource at any time.

Cover Letter Examples

• Standard Cover Letter Example
• Data-Driven Cover Letter Sample
• Entry-Level Cover Letter Example
• The Cover Letter That Explains 'Why,' Not Just 'How'
• The 'We're Meant for Each Other' Cover Letter
• The Cover Letter with H.E.A.R.T.
• Short-and-Sweet Cover Letter Example
• The Short Story
• The Bare Bones Cover Letter
• The Breezy Follow-Up
• The Administrative Assistant Cover Letter
• The Internship Cover Letter
• The Brutally Honest Cover Letter
• The Pivot Cover Letter
• The Graphic Design Cover Letter
• Consulting Internship Cover Letter Example
• Nonprofit Referral Cover Letter Example
• General Email Inquiry Cover Letter Example
• Post-Phone-Call Cover Letter Example
• Mission-Driven Graduate Cover Letter Example
• Short Recommendation Cover Letter Example
• Professor or Research Position Cover Letter Example
• Director Cover Letter Example
• Editorial Cover Letter Example
• Promotion Cover Letter Example
• Law Cover Letter Example

Customizable Cover Letter Examples

In a hurry for a cover letter example you can download and customize? Check out the ones below from HubSpot’s cover letter template kit .

1. Standard Cover Letter Example

Download a Customizable Copy of This Cover Letter Example

This standard cover letter is among my favorite approaches because it hits all the right notes: It includes a space to give a brief summary of your experience, as well as a space to delve in-depth into the specific responsibilities of your current role.

You also have the chance to describe the challenges you’ve mastered in previous roles, showing that you’re capable of facing any problem that comes your way.

Why I Love It

I love this cover letter because it allows you to describe the high points of your career while still being professional, personalized, and succinct.

2. Data-Driven Cover Letter Sample

Numbers are worth a million words — or that’s how I think the saying should go (if only we could include pictures in cover letters).

Citing data and statistics about your achievements at your current company is an assured way to capture a hiring manager’s attention.

Over the years, I've learned most hiring managers don’t read the entire letter, so a bulleted summary of your achievements can be a powerful way to increase the effectiveness and scannability of your message.

I love this cover letter because it’s adaptable to any role. Even if you don’t work in a data-centric role, you can include any enumerable achievement.

If I worked in a creative industry, for instance, I could include the number of creative assets you designed for your current company.

3. Entry-Level Cover Letter Example

Many of us have had "first job jitters" (that's what I'm calling it) when applying for our first career opportunity.

However, my experience taught me to increase my chances of getting that first interview by including a cover letter that explains how my education can help me succeed in the role I applied for.

In fact, HubSpot staff writer Erica Santiago says highlighting her education was key to snagging her first role out of college.

"When I graduated from journalism school, I only had a couple of internships under my belt and maybe some writing clips — not enough to compete with most young professionals with more experience," she recalls.

"So, I highlighted the classes I took such as 'News Reporting and Writing' or 'Electronic News Gathering," she says, "And I explained the assignments I did and how they gave me real-world experience in interviewing and reporting."

She says that's how she got her first job as a digital journalist for WSVN in Miami.

If you need help understanding how to highlight your education in a cover letter, look no further than this example from HubSpot.

While other cover letter samples give experienced professionals the opportunity to share their experience at length, this one gives you the chance to describe your personal and professional attributes.

You can then convey how you can use your knowledge to help your target company reach its goals.

I love this cover letter because it’s easy and simple to use for a student who has little experience in their target industry — including those who haven’t yet completed an internship.

Looking for more? Download the entire kit below.

5 Professional Cover Letter Templates

Fill out the form to access your templates., best cover letter examples.

What does a good cover letter look like in practice, and how can you make yours stand out? I  found six examples from job seekers who decided to do things a bit differently.

Note: Some of these cover letters include real company names and NSFW language that I've covered up.

1. The Cover Letter That Explains 'Why,' Not Just 'How'

You may already know how to talk about how you’ll best execute a certain role in your cover letter. But there’s another question you might want to answer: Why the heck do you want to work here?

The Muse , a career guidance site, says that it’s often best to lead with the why — especially if it makes a good story.

I advise against blathering on and on, but a brief tale that illuminates your desire to work for that particular employer can really make you stand out.

Image Source

Here’s another instance of the power of personalization.

The author of this cover letter clearly has a passion for this prospective employer — the Chicago Cubs — and if she’s lying about it, well, I'm sure that would eventually be revealed in an interview.

Make sure your story is nonfiction and relatable according to each job. While I love a good tale of childhood baseball games, an introduction like this one probably wouldn’t be fitting in a cover letter for, say, a software company.

But a story of how the hours you spent playing with DOS games as a kid led to your passion for coding? Sure, I’d find that fitting.

If you’re really passionate about a particular job opening, think about where that deep interest is rooted. Then, tell your hiring manager about it in a few sentences.

Why This Is A Great Cover Letter

This example shows how effective personalization can be. The writer is passionate about the employer, drawing from her own childhood experience to communicate her enthusiasm.

Further reading: Sales Cover Letter Tips

2. The 'We're Meant for Each Other' Cover Letter

This cover letter example is a special one because it was submitted to us here at HubSpot. What does the letter do well? It makes a connection with us before we've even met the letter's author.

"Content Marketing Certified" shows the applicant has taken the content marketing certification course in our HubSpot Academy (you can take the same course here ).

Our "records" indicate he/she did indeed give an interview with us before — and was a HubSpot customer.

The cover letter sang references to a relationship we didn't even know we had with the candidate.

The letter ends with a charming pitch for why, despite him/her not getting hired previously, our interests complement each other this time around.

(Yes, the applicant was hired).

This cover letter example does an excellent job of building rapport with the employer. Despite not getting hired for previous roles they applied for at HubSpot, the writer conveys exactly why they are right for this role.

Read more: Customer Service Cover Letter Tips

3. The Cover Letter with H.E.A.R.T.

HubSpot has a lot of H.E.A.R.T. — Humble, Empathetic, Adaptable, Remarkable, Transparent.

Our Culture Code is the foundation of the company's culture, the driving force behind our mission to help millions grow better , and serves as the scaffolding for our hiring practices.

Recruiters at HubSpot look for applicants that demonstrate how they embody the Culture Code and job description, paying extra attention to cover letters that are super custom to HubSpot.

In another HubSpot submission, a HubSpot applicant writes about how she found out about HubSpot, why she likes the company, and how her professional experience aligns with H.E.A.R.T.

HubSpot's recruiting team was impressed with her dedication to the company and how she went beyond what was asked for by linking her portfolio in her closing paragraph.

Featured Resource: 5 Free Cover Letter Templates

Download our collection of 5 professional cover letter templates to help you summarize your professional journey and land your dream job – whether it's at your first or fifth company.

Short Cover Letter Examples

4. the short-and-sweet cover letter.

In 2009, David Silverman penned an article for Harvard Business Review titled, " The Best Cover Letter I Ever Received. " That letter has three complete sentences, as follows:

One might argue that this particular letter is less than outstanding, and I'll also admit it's an older example.

It’s brief, to say the least, and the author doesn’t go into a ton of detail about what makes him or her qualified for the job in question.

But that’s what Silverman likes about it — the fact that the applicant only included the pieces of information that would matter the most to the recipient.

"The writer of this letter took the time to think through what would be relevant to me," writes Silverman. "Instead of scattering lots of facts in hopes that one was relevant, the candidate offered up an opinion as to which experiences I should focus on."

When you apply for a job, start by determining two things:

• Who might oversee the role — that’s often included in the description, under "reports to." Address your letter to that individual.
• Figure out what problems this role is meant to solve for that person. Then, concisely phrase in your cover letter how and why your experience can and will resolve those problems.

The key to this standout cover letter is research.

By looking into who you’ll be reporting to and learning more about that person’s leadership style, you’ll be better prepared to tailor your cover letter to focus on how you can create solutions for them.

Read here for more tips on how to land your dream job .

5. The Short Story

Basha Coleman began her cover letter with a short story. The goal of this short story is two-fold:

• Detail the experience she already has with the organization.
• Stand out to the hiring team.

I notice her short story follows a typical narrative arc: It has a conflict/obstacle, a turning point, and a positive outcome, all created with a goal to emphasize a theme or point.

In this case, Coleman is emphasizing her existing affinity with the brand and her triumphs within the program so that she can continue on her career path.

Like the second example in our list, this cover letter does an excellent job of conveying the applicant’s existing affinity for the brand. If you are applying to a company you love, don’t be shy about showing it and explaining why.

6. The Bare Bones Cover Letter

In today's job market, cover letters aren't always necessary. Even though many recruiters won't ask for or even read them, cover letters can still be effective and convey personality to a reader.

Writing a strong cover letter can help you better convey your interest in the position and company.

This template from The Balance Careers puts together the essential components of a short cover letter: excitement about the position, your qualifications, and a call-to-action for the recruiter to follow up with you.

Combining these central aspects in a well-written, compelling narrative will go a long way in convincing readers to hire you.

This letter is organized and concise. The inclusion of bullet points to highlight key skills and help the recruiter skim the document is a nice touch.

Check out this post for more useful cover letter tips .

7. The Breezy Follow-Up

In this cover letter, Amanda Edens is following the instructions the hiring manager gave by forwarding an email with resume and writing samples attached.

This short cover letter is the result. I especially admire how she uses casual and breezy language to convey personality and enthusiasm, and she keeps her paragraphs succinct.

Not only does Amanda include links to relevant writing samples that are live on the web, but she also closes with a strong final paragraph that:

• Summarizes the expertise she has relevant to the posting
• Emphasizes that she doesn't want to simply get a job but rather help the organization accomplish their goals
• The reader gets everything they need in an organized and thoughtful manner.

8. The Administrative Assistant Cover Letter

In this cover letter the candidate, Michelle, plays up her prior music industry experience to build a connection with Epic Music Group. If you have specific industry experience for the role you are applying for, be sure to highlight that.

It’s clear that she’s passionate about not only the music industry, but Epic as a whole.

She’s done so much research on the company that she knows what software programs they use, and happens to be proficient in it to help convey value to the hiring manager.

This example further illustrates the importance of research.

Make sure you understand the culture of the company to which you’re applying before you send a completely unfiltered cover letter — if you don’t, there’s a good chance it’ll completely miss the mark.

In just three short paragraphs, the applicant uses their company research to drive home why they are the perfect fit for the role — emphasizing industry experience as well as software knowledge specific to the company.

All of this communicates that she’d be able to start with very few hiccups while getting up to speed.

Further reading: 15 Cover Letter Templates

9. The Internship Cover Letter

Maybe you’re just getting started in your career and looking to land the right internship to gain experience in your field.

In this case, you’ll need to highlight more of your educational background and transferable skills since you won’t have as much professional experience to highlight.

The cover letter above is a great example of how to emphasize your skills and accomplishments when applying to internships or entry-level positions. A few things the applicant does well:

• Highlights relevant extracurriculars and affinity networks. In this case, the applicant is applying for a business analyst position, so mentioning their involvement in a FinTech group makes sense.
• Previous internships in relevant fields: Our applicant points out that they’ve interned as a Business Analyst at another firm. Pointing out that they’ve done the role before will help make their case for fit.
• Highlight other useful skills: This applicant is fluent in both English and German. If an international company or an organization needs bilingual support, knowing multiple languages is an asset.

This cover letter example illustrates how you can leverage your education and background to get the gig even when you don’t have much working experience. Highlighting previous internships or experience in related fields can go a long way in convincing hiring managers you’re the perfect candidate for the role.

Further reading for recent graduates:

• How to Find a Job After College
• Writing a Cover Letter for an Internship

Creative Cover Letter Examples

10. the brutally honest cover letter.

Then, there are the occasions when your future boss might appreciate honesty — in its purest form.

Former Livestream CEO Jesse Hertzberg, by his own admission, is one of those people, which might be why he called this example " the best cover letter " (which he received while he was with Squarespace):

As Hertzberg says in the blog post elaborating on this excerpt — it’s not appropriate for every job or company.

But if you happen to be sure that the corporate culture of this prospective employer gets a kick out of a complete lack of filter, then there’s a chance that the hiring manager might appreciate your candor.

"Remember that I'm reading these all day long," Hertzberg writes. "You need to quickly convince me I should keep reading. You need to stand out."

The applicant did their research on the company’s culture and executed this cover letter flawlessly. It’s funny and shows off the applicant’s personality all while making it clear why they are a good fit for the role.

Further reading:

• How to Stand Out and Get Hired at Your Dream Company
• How to Find Your Dream Job

11. The Pivot Cover Letter

Making a career switch? Your cover letter can be an excellent opportunity for you to explain the reasoning behind your career change and how your transferable skills qualify you for the role.

It’s clean but effective.

Since the role she is applying for is more visual, it’s important to both show and tell why you’re a good fit.

This cover letter strikes the perfect balance between creativity and simplicity in design while putting the applicant's career change into context.

The copy is clean, with a creative font choice that isn’t distracting from the content, but still demonstrates the applicant’s knack for design.

12. The Graphic Design Cover Letter

When applying for more creative roles, the design of your cover letter can say just as much as the words on the page. Take the graphic designer letter example below.

It’s got so much going for it:

• Pop of color
• Clean layout
• Interesting fonts

Besides the style elements, this example also doesn’t skimp on the key skills recruiters are looking for. Using metrics, the applicant proves their value and why they would be a great fit.

This cover letter thoroughly conveys the applicant’s skills and qualifications using a variety of visual elements and emphasizing their greatest achievements.

Pro tip: If you're applying for a graphic design job, share a link to your graphic design portfolio website , even if it's not an application requirement.

Job Cover Letter Examples

Next up, let’s go over some classic cover letter examples for jobs, especially if you’re applying to internships or only have a few years of experience.

The below cover letters follow the golden rules and don’t deviate too much from the standard — which is ideal if you’re applying to positions in more traditional industries.

13. Consulting Internship Cover Letter Example

Many internship applicants are early on in their careers or are still in college. That means they’ve yet to gather enough experience to offer tangible proof of their ability to do the job.

That means that a cover letter is the place where an internship applicant can shine.

This cover letter example highlights the applicant’s skills in a bullet-point format. That makes it easier for an overburdened hiring manager to get the essence of her points, quickly, if they’re only skimming cover letters.

Not only that, but this applicant personalized the letter in every single sentence. She shares information about her prior conversations with some of the company’s employees and mentions the company’s name at every turn.

While she only has one prior consulting job, she deftly mentions the skills she developed in that role and ties them into her desired position at Quantcast Product Group.

This cover letter example does a fantastic job advertising the applicant’s soft skills in a highly scannable format — while still going heavy on the personalization.

Don’t be shy to lightly play with formatting to get your point across and to imbue the letter with your passion for a company.

14. Nonprofit Referral Cover Letter Example

This cover letter example for a nonprofit job hits the ground running by right away inserting the name of one of the nonprofit’s Superintendents.

That’s an excellent way to get a recruiter’s attention and make you stand out from the slush pile, even if you’re only just out of school, as is the case for this applicant.

If you’ve received an internal recommendation for a position, you’d be wise to open your letter with that information. Don’t worry about it feeling too stilted or strange — remember, hiring managers only skim letters.

Your goal is to make sure they get information about you that they otherwise won’t get from your resume.

With only three full paragraphs, this cover letter example is short, sweet, and to the point. No time is wasted, and it also goes over the critical basics, such as skills and experience.

This nonprofit cover letter includes a recommendation from an internal employee at the target organization, making it more likely to stand out from the slush pile.

I  also love that it doesn’t skimp on the basics, such as skills, enthusiasm, and experience.

15. General Email Inquiry Cover Letter Example

Even if a job opportunity isn’t available at an organization yet, it doesn’t mean that there won’t be. You can always send a general inquiry cover letter, like the one in this example.

This email cover letter for a political campaign internship is short and sweet, but includes the critical information the campaign coordinator needs to consider the applicant for any new positions that may open up.

The best part about this cover letter is that it can be easily customized from one political campaign employer to the next.

While it does include a level of personalization, it’s brief and can be easily changed to address the specific political candidate.

When sending general inquiries like this one, it’s essential to make the personalization aspect as pain-free as possible for yourself. That may mean including only one sentence or two, knowing that a general inquiry might not be replied to.

This email cover letter example hits all the right notes while keeping it brief and to-the-point. While we don’t recommend choosing this format for a formal cover letter, it works if you’re sending a general inquiry to an employer over email.

It’s also a good example to follow if you’re still in college or have very little experience.

Read more: How to Write a Letter of Interest

16. Post-Phone-Call Cover Letter Example

If you get a phone call from a potential employer and they invite you to send your resume, pat yourself on the back — that is such a win. In your cover letter, be sure to mention that right away, like this example does.

A hiring manager or an executive at a company likely has a lot of tasks on their plate, which means that they may forget about your call from one week to the next.

That is totally okay, which is why this example starts with a reminder that the applicant and the letter recipient spoke back on January 31st. It also has a few more details about why they started speaking in the first place.

Aside from leveraging the phone call that’s already occurred, this cover letter also does an excellent job explaining why the applicant is an ideal choice for the job.

It goes into detail about skills and previous experience with a high level of enthusiasm, and includes a promise to follow up at the end.

This cover letter example includes two things that will immediately draw my attention: A phone call they’ve already had, and a mutual contact at their organization.

The job and internship search can be grueling; never be afraid to use everything you have at your disposal to improve your standing over other applicants.

Read more: How to Start a Cover Letter

17. Mission-Driven Graduate Cover Letter Example

This cover letter example from a recent B.A. graduate wowed me from the first sentence.

The applicant right away explains her attained degree and her specific career interests, then dives into the aspects of her experience that make her such a great candidate.

It's so personalized to the employer’s own mission that it’s difficult to stop reading it.

Even if the hiring manager isn’t a science or health professional, they would be able to effectively gauge the applicant’s suitability for the role by the expertise she shows in her cover letter alone.

The applicant explains at length why she’s excited to work for that specific hospital. The organization serves Aboriginal populations, which aligns with her own values and research interests.

In the last paragraph, she summarizes what she knows about the employer in one sentence, then describes how each of her experiences supports the employer’s mission.

That is an exceedingly clever and meaningful way to align yourself with an organization at a deeper level.

If you’re applying to a mission-driven organization, don’t be shy about showing your excitement and expertise. You don’t need a lot of experience to show that your values align with those of your target organization.

This cover letter example is especially good inspiration if you’re making a career change, have only just a few internships under your belt, or are graduating from college.

18. Short Recommendation Cover Letter Example

Referral or recommendation cover letters don’t need to be too long, and this is a great example of that. It immediately leverages a mutual connection at the company.

The mutual connection recommended that the applicant contact the hiring manager for a role, which is a piece of information I  always recommend you frontload in your letter.

This specific cover letter comes from an applicant with little experience, making it a good example to follow if you’re switching careers or just out of college.

Instead of talking about their experience, the applicant uses anecdotal evidence to convey their enthusiasm for working at that company.

The writer also goes over their most salient skills, such as being able to speak multiple languages. They also explain how their degree directly applies to the target role.

I  love that the candidate highlights their leadership abilities and makes that an effective selling point for being hired.

This cover letter doesn’t go on for too long, which we love. It’s simple and sweet and provides all the information the hiring manager needs to look more closely at the applicant’s resume and make an interviewing decision.

19. Professor or Research Position Cover Letter Example

Academic or research position cover letters might require a little more information than the typical cover letter — and this is one such example. Why is it okay to go a little longer?

Because the letter is not only a way to supplement the PhD candidate’s academic CV, but to provide a writing sample for the search committee.

I love this cover letter because it expresses the candidate’s enthusiasm for teaching and explains her instructional ethos, such as providing out-of-the-classroom opportunities, championing communication, and encouraging students to step out of their comfort zone.

The applicant also suggests courses she may be able to teach at the target institution, and expresses her interest in developing new courses as needed.

She also suggests how she can enhance the college’s extracurricular programming by offering study abroad courses, which shows not just an interest in teaching but adding to the school’s overall culture.

While this letter goes for a little longer than recommended, it serves as a fantastic writing sample and explains the applicant’s research background at length.

If you’re applying to academic or research roles, don’t be afraid to go into detail about what most excites you in terms of research interests.

20. Director Cover Letter Example

This cover letter example — for a Director of Catering position at a university — doesn’t waste any time.

The applicant right away says that they’re a strong candidate for the role, then jumps right into three salient qualifications that make him a great fit.

I love how the applicant uses bullet points and bold text to guide an overburdened hiring manager through the cover letter — and to give them permission to scan it, if needed.

If the hiring manager would like more information or actual examples of the skills, they merely need to read the rest of the bullet point paragraph.

As mentioned, light formatting can be beneficial to your cover letter, as it draws the recruiter’s eyes and prevents them from having to fish for the information they’re looking for.

This short, sweet cover letter includes the critical information a hiring manager or high-level executive needs to make an interview decision.

I  love the use of formatting that doesn’t stray too much from regular cover letter conventions, and I  like that the applicant kept all other paragraphs extremely brief.

21. Editorial Cover Letter Example

Applying for an editorial or journalistic position? Like a cover letter example I  shared earlier, you can take a more storytelling approach to capture the hiring manager’s attention.

This cover letter example does that effectively by telling an anecdote that directly mentions the newspaper where they’d like to work.

This immediately draws the reader in and tells them that this application isn’t random at all; the applicant would like to work at the newspaper because they’ve read it every morning.

Not only that, but they have a favorite reporter on the newspaper’s staff. The applicant then jumps into the specific reason they want to take an editorial position at the Baltimore Sun.

The cover letter includes all pertinent information, such as how previous positions have equipped the applicant to take on this job. It closes with enthusiasm after keeping the reader rapt every step of the way.

The applicant uses storytelling to — you guessed it — apply for a position that needs storytelling skills. If you’re applying for a data-driven position or a graphic design position, why not showcase those skills in the cover letter itself?

I  like that this letter doesn’t diverge too much from cover letter conventions while still differentiating itself.

22. Promotion Cover Letter Example

In this cover letter example, the applicant already works for the employer and wishes to apply for the next position to move up in their career.

I  like that the letter cites the applicant’s extensive knowledge of the organization, which will no doubt give them an advantage over external applicants.

Not only that, but the applicant also references their experience before they started working at the employer and uses that information to make their candidacy even more desirable.

Lastly, this letter includes a healthy level of enthusiasm for the university and the position — something that is never extra in a cover letter.

This cover letter example does an excellent job showing the candidate’s knowledge of their current organization while stating why they’re a natural fit for the promotion.

Plus, the letter includes information on the applicant’s relevant activities outside of work — if you’re involved in any organizations that might help you do your job better, be sure to include them.

23. Law Cover Letter Example

This law cover letter example jumps right into personalization, a bold move that will serve you well if you’re genuinely interested in a company and want to stand out.

The applicant cites the recipient’s recent article on bond litigation, then ties that into the role they’d like to get at the law firm.

The applicant then goes into his skills and the feedback he’s received from past managers. This is an excellent way to introduce your skills without sounding dry — or even unfounded.

By citing positive feedback you’ve received, you’ll imply that others have praised you for having those skills, and that you’re not only "tooting your own horn."

Pro-Tip: In cover letters, it’s absolutely okay to toot your own horn — that’s what they’re for. But if you can cite others’ remarks, that also helps.)

At just two and a half paragraphs, this letter is exceedingly short but no less effective. It’s an excellent example of how to personalize your letter quickly while still conveying the essentials of a cover letter.

This short cover letter example keeps it brief while still creating high impact. The applicant personalizes the letter immediately, cites external feedback, and conveys enthusiasm.

This letter proves you don’t need to write a novel about an employer to sway the hiring manager into giving you an interview.

Now that I've shown you some excellent examples, let's talk about how you can create the best cover letter for your dream job.

What is a good cover letter?

A cover letter is used to show your interest in the role, passion for the company, and the impact you've had in previous positions. Good cover letters should include a standout opening, relevant skills and qualifications, and a strong finish with a call-to-action — all within one page and unique to each application.

What’s on a cover letter?

Before you start writing your cover letter, let's cover a few basic must-haves you'll want to include. If you’re looking for more detailed instructions, check out this guide to writing a cover letter .

Add a simple, but pleasant greeting to address the recruiter or hiring manager.

Learn more:

• Dear Sir or Madam Alternatives
• Cover Letter Greetings

Write a catchy introduction that explains why you’re interested in the role.

• How to Write an Introduction
• Tips for Writing a Good Introduction Sentence

Work Experience

This is the heart of your cover letter. It outlines your relevant experience and why you’d be a great fit for the role. You can highlight special skills, experiences, professional achievements, or education to help make your case.

• How to Write About Your Professional Background
• Professional Bio Examples
• LinkedIn Bio Examples

In this paragraph, add a call-to-action by expressing interest in an interview. Offer your contact information and sign off.

• Email Closing Line Examples
• Tips for Writing Conclusions

What does a cover letter look like?

Besides showing off your skills and qualifications, cover letters give you the opportunity to present a clear, concise, and compelling writing sample. It shows off your personality and your ability to convey ideas.

That's a lot of information to include on a single page, so it can help to have a clear structure to start with.

Check out our fillable cover letter templates to see how you should organize the content of your cover letter.

What makes a great cover letter?

A cover letter is personal, but it also needs to help you reach a goal and help the hiring team understand how you could perform that role with their company. This complexity can make cover letters really tough to write.

Because cover letters are difficult to write, many come off as boring, basic, or confusing for hiring managers to read. But the tips below about the qualities that make a cover letter great can help you take your cover letter from basic to bright.

Start with this quick video, then keep reading for more tips:

Personalized Introduction

Begin with an introduction that's personal. It should capture the reader's attention and address your recipient by name. Then, add a compelling opening sentence that emphasizes your interest in the specific role.

Helpful Cover Letter Introduction:

"Dear [Hiring Manager's Name],

In an increasingly digitized world, where customer-centric strategies are vital for business success, I am thrilled to apply for the [Job Title] position at HubSpot."

Unhelpful Cover Letter Introduction:

"To Whom it May Concern,

I am applying for the [Job Title] position at HubSpot. I have some experience in marketing and can help your clients grow their businesses."

Relevant Professional Experience

It can be tempting to use the same cover letter for every job. After all, it's about your experience, isn't it? But it's not enough to rephrase the work history in your resume.

Recruiters and hiring managers are looking to fill a specific role, so you need to show how your experience translates to their unique needs.

So, the body of a great cover letter should showcase the specific professional experiences that are relevant to the job you're applying for. Emphasize your accomplishments and skills that directly relate to what the job needs.

To speed up this part of the cover letter writing process, start by creating a list of your transferable skills . Drafting this list can help you quickly focus on the skills to highlight in your cover letter.

Then, use AI tools to summarize job descriptions and narrow in on where your experience and the needs of the role you're applying for overlap. This post is full of useful AI assistant tools if you're new to AI.

Helpful Cover Letter Experience:

"At [Company Name], I had the opportunity to assist a global ecommerce retailer in enhancing their online customer experience. By conducting in-depth market research and customer journey mapping, I identified pain points and areas of improvement in their website navigation and user interface."

Unhelpful Cover Letter Experience:

"I also worked with an ecommerce retailer to improve the customer experience. We did some surveys and training, and they were happy with the results."

Useful Examples

To make your cover letter stand out, add specific examples that show how you've solved problems or gotten results in past roles.

Quantify your accomplishments whenever possible, using data to give the reader a clear understanding of your impact.

Helpful Cover Letter Example:

"I lead a team of five content writers while increasing website traffic by 18% year-over-year."

Unhelpful Cover Letter Example:

"I have a great track record of leadership and achieving fantastic results."

Research and Company Knowledge

Hiring teams aren't hiring anyone with the skills to do the job. They're hiring a person they'll work alongside at their specific company.

So, to show that you're not just looking for any job anywhere, share your knowledge of the company's industry, values, and culture in your cover letter.

Spend some time on the company website and take notes on what makes this business interesting to you and why you would want to work there.

Then, explain how your skills align with the company's mission and goals and explain how you could add to their chances of success. This will showcase your interest in the company and help them see if you are a good cultural fit.

Helpful Cover Letter Research:

"I was particularly drawn to HubSpot not only for its industry-leading solutions but also for its exceptional company culture. HubSpot's commitment to employee development and fostering a collaborative environment is evident in its recognition as a top workplace consistently. I strongly believe that my passion for continuous learning, self-motivation, and dedication to contributing to a team will make me a valuable asset to HubSpot."

Unhelpful Cover Letter Research:

"I have been inspired by HubSpot's commitment to inbound marketing and its comprehensive suite of solutions. HubSpot's dedication to providing valuable content and fostering meaningful relationships aligns with my own values and aspirations."

Clear Writing

Your cover letter needs to pack in a lot of important information. But it's also important that your cover letter is clear and concise.

To accomplish this, use professional but easy-to-understand language. Be sure to remove any grammar or spelling errors and avoid lengthy paragraphs and avoid jargon or overly technical language.

You may also want to use bullet points to make your letter easier to skim. Then, proofread your cover letter for clarity or ask a friend to proofread it for you.

• Guide to Becoming a Better Writer
• Tips for Simplifying Your Writing

Helpful Cover Letter Writing:

"In addition to my academic accomplishments, I gained valuable practical experience through internships at respected law firms.

Working alongside experienced attorneys, I assisted in providing legal support to clients. This hands-on experience helped me develop a deep understanding of client needs and enhanced my ability to effectively communicate complex legal concepts in a straightforward manner."

Unhelpful Cover Letter Writing:

"Furthermore, as a complement to my academic accomplishments, I have garnered invaluable practical experience through internships at esteemed law firms.

Throughout these placements, I actively collaborated with seasoned attorneys to conduct due diligence and furnish clients with comprehensive legal support. Notably, these experiences fostered a profound comprehension of client necessities, whilst honing my legal acumen to articulately convey intricate legal principles within a lucid and concise framework, adhering to applicable precedents and statutes of limitations."

Genuine Interest and Enthusiasm

Find ways to convey your passion for the role and how excited you are to contribute to the company you're applying to. At the same time, make sure your interest feels authentic and outline how it aligns with your career goals.

Your ultimate goal is an enthusiastic letter that feels honest and leaves a lasting positive impression.

Showing excitement in writing doesn't come naturally for everyone. A few tips that can help you boost the genuine enthusiasm in your letter:

• Record audio of yourself speaking about the role, then use voice-to-text technology to transcribe and add these sections to your letter.
• Choose your words carefully .
• Write in active voice.

Helpful Cover Letter Tone:

"I am genuinely enthusiastic about the prospect of joining [Company/Organization Name] as an accountant. My combination of technical proficiency, eagerness to learn, and strong attention to detail make me an ideal candidate for this role. I am confident that my dedication, reliability, and passion for accounting will contribute to the continued success of your organization."

Unhelpful Cover Letter Tone:

"Honestly, I can hardly contain my excitement when it comes to reconciliations, financial statement analysis, and tax regulations! Engaging in spirited discussions with professors and classmates has allowed me to foster an unbreakable bond with the fascinating world of accounting, and I'm positively bursting with enthusiasm at the prospect of applying my skills in a professional setting."

Memorable Conclusion

End your cover letter on a strong note. Summarize your top qualifications, restate your interest in the position, and express your interest in future communication.

Then, thank your reader for their time and consideration and include your contact information for easy follow-up.

To make your conclusion memorable, think about what parts of your letter you'd most like the hiring manager to keep top of mind. Then, consider your word choice and phrasing. If you're feeling stuck, this list of ways to close an email can help.

Helpful Cover Letter Conclusion:

"Thank you for considering my application. I am excited about the opportunity to further discuss how my qualifications align with the needs of Greenpeace. Please feel free to contact me at your convenience to arrange an interview.

Together, let's make a lasting impact on our planet.

[Your Name]"

Unhelpful Cover Letter Conclusion:

"Thank you for considering my application. I look forward to the possibility of discussing my qualifications further and how I can contribute to Greenpeace's mission. Please feel free to contact me at your convenience to arrange an interview.

I’d like to add another stage to the job search: experimentation.

In today’s competitive landscape, it’s so easy to feel defeated, less-than-good-enough, or like giving up your job search.

But don’t let the process become so monotonous. Have fun discovering the qualitative data I’ve discussed here — then, have even more by getting creative with your cover letter composition.

I certainly can’t guarantee that every prospective employer will respond positively — or at all — to even the most unique, compelling cover letter. But the one that’s right for you will.

So, get inspired by these examples and templates. Write an incredible cover letter that shows the hiring team at your dream job exactly who you are.

Editor's note: This post was originally published in October 2020 and has been updated for comprehensiveness. This article was written by a human, but our team uses AI in our editorial process. Check out our full disclosure to learn more about how we use AI.

Don't forget to share this post!

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How to Write a Cover Letter for an Internship [Examples & Template]

Letter of Interest Tips, Templates & Examples [A 2023 Guide]

15 Cover Letter Templates to Perfect Your Next Job Application

The Ultimate Guide to Writing a Cover Letter

How to Start a Cover Letter to Impress Employers [+ 14 Examples]

Eight Cover Letter Greetings for Every Situation

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How to Write a Cover Letter in 2023 (Layout, Template and Examples)

Cover Letter Layout

The recent stiff competition for limited job opportunities has prevented many people from landing decent jobs. Although many applicants are qualified for a particular job, few realize that presenting the right documentation is the secret to staying ahead of the competition.

When writing a cover letter , the overall layout can make or break a potential interview request. If you style and design it in a way that catches the attention of your potential employer, you’re ahead of the competition. Continue reading for tips and advice on how to write a winning cover letter properly.

What is the purpose of a cover letter?

The purpose of a cover letter is to introduce yourself and to explain why you are interested in and qualified for the job for which you are applying.

A cover letter should be included with your resume when you apply for a job. It should be tailored to the specific position for which you are applying and should highlight your skills, experiences, and accomplishments that are relevant to the role.

A compelling cover letter speaks to the hiring manager, telling them why you’re the best candidate for a particular job. It describes how you are suited for the job and what you’ll bring to the table when given the opportunity.

What to Include in a Cover Letter

Your cover letter can be divided into three sections: the introduction, an overview of your skills and expertise, and a conclusion.

Most employers often glance through a cover letter to get a taste of who you are, even before delving into a resume . Therefore, it’s crucial to keep things organized and concise so they don’t lose interest.

4 Steps on How to Write a cover letter for 2023

Writing a cover letter isn’t easy, but you could face a lifetime of opportunities by writing a great one. People who know how to write a cover letter generally have a better chance of getting hired.  Below are the four steps you should take to create a compelling cover letter:

1. Add Contact Information | Cover Letter Details

Your cover letter intro should include your name, official email, phone number, and perhaps LinkedIn profile.

Where applicable, include the hiring manager/organization’s contact information, address, and number. Providing your contact information allows the employer to reach you when they find you fit for the job.

Note: Nowadays, recruiters are using LinkedIn to find potential employees for their organizations. Feel free to add your LinkedIn profile URL if you would like.

2. Create The Salutation | Cover Letter Introduction

It’s always courteous to greet the hiring manager with an appropriate title. After all, they’re also human. You can research a little about the employer and discover who they are. This way, the salutation won’t be awkward, and there won’t be any mistakes. But if you can’t find out much about them, don’t worry.

Use “Dear Sir/Madam.” This is the most appropriate salutation in case you have no clue who the recruiter or hiring manager is.

3. How to Start a Cover Letter | Cover Letter Body

This is where the bulk of your cover letter content will go.

Opening Paragraph

• Start by writing down the job you’re applying for and inform the employer where you learned about it.
• Whether it’s on the Internet or from a newspaper advert, mentioning where you learned about the job opportunity shows your application’s seriousness.

2nd Paragraph

• The second paragraph should capture what you have to offer the organization.
• In this section, describe how you’re equipped to handle the responsibilities of the advertised position.
• Please write a concise summary of your skills, experience, and achievements, but don’t overdo it. The resume will cover the skills section.
• Use bullet points to break down the text to make it easy to read.

3rd paragraph

• The third paragraph should highlight what and how you know the employer.
• For example, an article posted on your favorite social media platform might have drawn your attention to the company. Or maybe it’s been a lifelong dream to work with them.
• Capturing this information shows the employer that you’re interested in the organization’s operations. 
• Don’t make up stories or give false information, which could ruin your credibility. Provide accurate details you could remember even when invited for an  interview .

Closing Paragraph

The fourth section is about closure. It’s a call to action for the employer to consider your application and interest in the job.

Ask them to contact you and give feedback. It’s also wise to leave final regard or a formal closure.

• Words like “Yours Sincerely” and “Best Regards,” are highly recommended because they offer a professional approach.

4. Proofreading | Cover Letter Review

A letter full of mistakes is a turn-off for most employers and will almost all but destroy your chances of an interview. It shows that the applicant didn’t take enough time to read through it and might not be serious about the job.

Always read through the letter to correct mistakes and make the message as clear as your intentions. Ask family members and friends to run through it or use a grammar-checking website like Grammarly to correct any mistakes.

The layout of a cover letter is fairly straightforward, but we’ve provided an easy-to-follow infographic to help make it a bit more visual. While the header, body, and closing sections are crucial, you can also see how we implemented the contact information into the letter.

Cover Letter Template

This template can be helpful for people who are not sure how to structure their cover letter or what information to include. It can be used as a starting point when writing a cover letter, with the idea being that you would customize the template to fit your unique background and skills.

Cover Letter Example

If you are unsure of what a cover letter looks like, this sample can be used as a guide or template for creating your specific cover letter. This is designed to give you an idea of the structure and content of a successful cover letter.

ResumeGenius has a large number of cover letters to utilize. Check them out here

Related Articles:

• Best Resume Writing Services
• How To Secure An Unfair Interview Advantage
• What Not To Say During An Interview

Frequently Asked Questions (FAQ)

What else makes a great cover letter, prior research the employer.

Always research the hiring organization and the job being offered. A good cover letter shows that you understand what you’re signing up for.

In most cases, the employer will prioritize applicants who demonstrate a good understanding of the organization’s mission and the responsibilities they’ll be allocated.

Optimize The Cover Letter With Related Keywords

This will increase your visibility to the employer. For example, if a job opening entails journalism, use terms related to journalism, such as editing and writing.

Many recruiters are busy and have limited time to read the entire cover letter. Most will only go through the first few lines (or use the “ctrl F” find function) to get a picture of who you are.

Make the introduction short, precise, and engaging to encourage the employer to read more about you.

Making it Relevant

• Your cover letter should be relevant to the job you’re applying for.
• Some recruiters use an Applicant Tracking System (ATS), software designed to filter applications and present the best matches for a particular job. These systems are primarily used for resumes, but cover letters are filtered through.
• Many applicants don’t pass the ATS, especially if they didn’t read through the job posting. 
• If you don’t want to get filtered out by the ATS, ensure that the cover letter is relevant and rich with keywords related to the job.
• Since it goes with the resume , the cover letter will have given more space to add those keywords and increase the chances of getting discovered.

How Long Should a Cover Letter Be?

Cover letters should be half a page to a full page long (nothing beyond that). Look to limit your cover letter to around 3 to 6 paragraphs, and try not to go beyond 500 words. The recruiter or hiring manager should be able to quickly glance through the content (15 seconds or less).

• Page Length: Should be 1/2 – 1 page long
• Paragraph Count: Stick to 3 to 6 paragraphs long
• Word Count: Have no more than 500 words

Are Cover Letters Still Relevant in 2023?

Yes, cover letters are still relevant and can be an important part of the job application process 2023. While many companies don’t require a cover letter, and others may only give it cursory consideration, a well-written cover letter can still be a valuable tool for introducing yourself to an employer and explaining why you are a good fit for the job.

Wrapping Up | What Should a Cover Letter Include

Your cover letter is an introduction that you can’t miss on. Understanding how to write one specifically for the targeted employer properly will leave an amazing first impression!

Remember, the main purpose is to capture the hiring manager’s attention. You want to convince them that you’re the person they’ve been looking for. To recap our key takeaways, we ran through the following :

• What to include in a cover letter, such as the introduction, main content, and closing
• The cover letter template to help make your own
• The cover letter examples to reference when writing your own
• The suggested length of a cover letter

We hope this helps, and good luck out there!

Your cover letter is only as good as the content of your resume. Here are some resources to help write your own resume or resume writing services to pass off the task to a professional.

Title: Cover Letter Layout 2023

Category: theDocuments

Tags: how to write a cover letter in 2023, how long should a cover letter be, writing cover letter, what is included in a cover letter, how do I write a cover letter for a job, cover letter template, cover letter sample

Author : Reid is a contributor to theJub . He’s an employment and marketing enthusiast who studied business before taking on various recruiting, management, and marketing roles. More from the author. | Author Profile

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5+ Auditor Cover Letter Examples and Templates

Home » Cover Letter Examples » 5+ Auditor Cover Letter Examples and Templates

Create the simple  Auditor cover letter  with our top examples and expert guidance. Use our sample customizable templates to craft a cover letter that’ll impress recruiters and get you that interview today. Start now and make your dream job come true!

Are you looking to pursue a career as an Auditor? A well-crafted cover letter is an essential tool to showcase your skills, qualifications, and suitability for the role. By effectively highlighting your experience, attention to detail, and analytical abilities, you can grab the attention of potential employers and increase your chances of landing an interview.

In this comprehensive guide, we will provide you with examples and templates for writing a captivating cover letter specifically tailored for an Auditor position. Whether you are an experienced professional or a beginner in the field, our tips and techniques will help you create a persuasive cover letter that stands out.

Auditor Cover Letter Examples and Templates

1. Auditor Cover Letter Example

Dear Hiring Manager,

I am writing to express my interest in the Auditor position at [Company Name]. With a strong background in auditing and a keen eye for detail, I believe I am a perfect fit for this role.

During my previous role as an Auditor at [Previous Company], I was responsible for conducting comprehensive financial audits, identifying potential risks, and providing recommendations for improving internal controls. I have a thorough understanding of auditing principles and regulations, and I am highly skilled in utilizing auditing software and tools such as ACL and IDEA.

I am well-versed in analyzing financial statements, assessing financial risks, and identifying areas for process improvement. I have a proven track record of conducting successful audits and delivering accurate and timely reports to stakeholders. Additionally, my strong communication skills allow me to effectively communicate audit findings and recommendations to clients and management.

I am confident that my attention to detail, analytical skills, and ability to interpret complex financial information will greatly contribute to the success of [Company Name]. I am eager to leverage my expertise to ensure compliance and mitigate risks.

Thank you for considering my application. I am eager to discuss how my qualifications align with your needs further. Please find attached my resume for your review. I look forward to the opportunity to interview with you and further demonstrate my suitability for the Auditor role.

Sincerely, [Your Name]

2. Short Auditor Cover Letter Sample

I am writing to express my interest in the Auditor position. With a solid background in auditing and a strong attention to detail, I am confident in my ability to contribute to the success of [Company Name].

As an Auditor at [Previous Company], I conducted financial audits, identified potential risks, and provided recommendations for improving internal controls. I am highly skilled in utilizing auditing software and tools to gather and analyze data. I am meticulous in my work, ensuring accurate and comprehensive audit reports.

I am confident that my analytical mindset and expertise in auditing will enable me to provide valuable insights to support risk management and compliance at [Company Name]. Attached is my resume for your review. I look forward to the opportunity to discuss how my skills align with your needs in more detail.

Thank you for considering my application.

3. Auditor Cover Letter for Job Application

Dear [Recipient’s Name],

I am writing to apply for the Auditor position at [Company Name] as advertised on [Job Board/Company Website]. With a strong background in auditing and a passion for ensuring accuracy and compliance, I am confident in my ability to contribute to [Company Name]’s success.

In my previous role as an Auditor at [Previous Company], I successfully conducted financial audits, identified potential risks, and provided recommendations for process improvement. I have a thorough understanding of auditing principles and regulations, and I am skilled in utilizing auditing software and tools to gather and analyze data.

I am confident in my ability to analyze financial statements, assess risks, and provide actionable recommendations. Furthermore, my strong communication and presentation skills enable me to effectively communicate audit findings to stakeholders.

I am excited about the opportunity to contribute to [Company Name]’s growth and success as an Auditor. Attached is my resume for your consideration. I would welcome the opportunity to discuss how my skills and qualifications align with your needs in more detail.

Thank you for considering my application. I look forward to the opportunity to interview with you.

4. Auditor Cover Letter for a Candidate with no Experience

I am writing to express my interest in the Auditor position at [Company Name]. Although I have recently graduated with a degree in Accounting, I am eager to apply my knowledge and skills to contribute to [Company Name]’s success.

During my academic studies, I developed a strong foundation in auditing principles and regulations. My coursework and projects provided me with hands-on experience in using auditing software and tools to analyze financial data. I am a quick learner with a strong attention to detail, and I am confident that my ability to gather and analyze data, along with my excellent problem-solving skills, make me a strong candidate for the Auditor role.

I am eager to contribute to [Company Name]’s success as an Auditor. Attached is my resume for your consideration. I would welcome the opportunity to discuss how my skills and qualifications align with your needs in more detail.

5. Sample Application Letter for Auditor with Experience

I am excited to apply for the Auditor position at [Company Name]. With over [Number of Years] years of experience in auditing and risk management, I bring a wealth of knowledge and expertise to support [Company Name]’s operations.

In my current role as an Auditor at [Current Company], I have successfully conducted financial audits, identified potential risks, and provided recommendations for process improvement. I am well-versed in utilizing auditing software and tools to gather and interpret complex financial data sets. Moreover, I have a proven track record of delivering accurate and timely audit reports to stakeholders.

I am highly skilled in analyzing financial statements, assessing risks, and ensuring compliance with auditing standards and regulations. My strong communication and presentation skills have enabled me to effectively communicate audit findings to clients and management.

I am confident that my extensive experience, attention to detail, and ability to interpret complex financial information make me an ideal candidate for the Auditor role. Attached is my resume for your review. I would welcome the opportunity to discuss how my skills and qualifications align with your needs in more detail.

How to Write an Auditor Cover Letter

Writing an effective Auditor cover letter involves following a clear structure and including relevant information that showcases your qualifications and demonstrates your commitment to the field. Let’s explore the step-by-step guide to help you craft a compelling cover letter that captures the attention of potential employers.

Objective of an Auditor Cover Letter:

• Introduce yourself and express your interest in the position.
• Highlight your relevant skills, experiences, and achievements.
• Show your knowledge of auditing principles and regulations.
• Demonstrate your attention to detail and analytical thinking.
• Thank the employer for considering your application.

Key Components For Auditor Cover Letters:

• Contact Information: Include your name, address, phone number, and email address at the top of the cover letter.
• Salutation: Begin the cover letter with a professional greeting, such as “Dear Hiring Manager” or “Dear [Company Name] Recruiting Team.”
• Introduction Paragraph: In a concise and engaging manner, introduce yourself, mention the position you are applying for, and briefly indicate your motivation for applying.
• Body Paragraphs:
• Skills and Qualifications: Highlight your relevant skills, such as attention to detail, analytical thinking, problem-solving, and knowledge of auditing principles and regulations.
• Experience and Achievements: Discuss your experience in the auditing field, including successful audits, process improvements, and any relevant certifications or licenses.
• Knowledge of the Field: Demonstrate your understanding of auditing standards, industry best practices, and any specialized knowledge or software you have used.
• Passion for the Job: Express your enthusiasm for analyzing financial information, identifying risks, and providing valuable insights to organizations.
• Closing Paragraph: Conclude your cover letter by restating your interest in the position and expressing your availability for an interview or further discussion. Mention any further enclosed documents, like your resume or references.
• Formal Closing: End the letter with a professional closing, such as “Sincerely” or “Best Regards,” followed by your full name.
• Signature: Sign your name between the closing and your printed name. If the cover letter will be sent electronically, you can type your name instead.

Formatting Tips for an Auditor Cover Letter:

• Keep the cover letter length to one page.
• Use a professional and well-structured format, using bullets or paragraphs to highlight key information.
• Use consistent font sizing and alignment throughout the letter.
• Proofread your letter carefully for spelling, grammar, and formatting errors.

Tips for Writing Your Auditor Cover Letter:

• Customize the cover letter to the specific job requirements and company information.
• Highlight your achievements and experiences that demonstrate your auditing skills and attention to detail.
• Emphasize your ability to analyze financial information and identify potential risks.
• Show your knowledge of auditing standards, regulations, and industry best practices.
• Include any relevant certifications or licenses you hold, such as a Certified Internal Auditor (CIA) or Certified Public Accountant (CPA) designation.
• Provide evidence of your success in previous auditing roles, such as identifying cost-saving opportunities or improving internal controls.
• Use industry-related keywords throughout the cover letter to demonstrate your familiarity with key concepts.
• Maintain a professional tone and language throughout the letter, while injecting your personality and enthusiasm.
• End the cover letter on a positive and hopeful note, expressing gratitude for the opportunity to apply.

How long should a cover letter be for an Auditor?

Ideally, an Auditor cover letter should be concise but impactful, usually not exceeding one page. Aim for 3-4 paragraphs that cover your key qualifications and leave the hiring manager eager to learn more about you. Remember to be specific, concise, and emphasize your most relevant experiences and accomplishments.

How do I write a cover letter for an Auditor with no experience?

If you are a novice Auditor, focus on transferable skills and demonstrate your passion for the field. Here are a few tips to help you compose a cover letter without direct auditing experience:

• Highlight transferable skills, such as attention to detail, analytical thinking, problem-solving, and strong communication abilities.
• Emphasize your ability to learn quickly and adapt to new tasks and challenges.
• Discuss any relevant coursework or certifications you have completed that may be applicable to the auditing field.
• Showcase any internships or part-time positions where you gained exposure to auditing principles or processes.
• If possible, provide examples of personal qualities that make you well-suited for an auditing role, such as being organized, meticulous, or detail-oriented.

Remember, while experience is compelling, highlighting your skills, passion, and eagerness to learn can be equally valuable when applying for an entry-level Auditor position.

Key Takeaways

A well-written and tailored cover letter is your opportunity to make a strong impression as an Auditor candidate. Remember the following:

• Customize the cover letter for each job application.
• Showcase your attention to detail and analytical skills.
• Provide specific examples of accomplishments.
• Express your industry knowledge and passion.

In Conclusion

Writing an attention-grabbing and well-crafted cover letter as an Auditor can significantly increase your chances of securing an interview. Tailor your letter to portray your suitability for the role, highlight your skills and achievements, and demonstrate your passion for the field. By following the guidelines provided in this article, you’ll be equipped to create a standout cover letter that puts you a step ahead of the competition.

Now, put your skills into action and start crafting your tailor-made Auditor cover letter, tailored to the job and company you are applying to. Good luck!

Career Expert Tips:

• If you're stepping into the professional world, understanding the basics is crucial. Learn What is a cover letter and its role in the job application process.
• How to start a cover letter can be a challenging task. Get a comprehensive guide on how to kickstart your cover letter and make a strong first impression.
• Looking for inspiration to draft your own cover letter? Browse through these Cover letter examples to find a style that fits your profession.
• Why start from scratch? Use these Cover Letter Templates tailored for various professions to simplify your job application process.
• How long should a cover letter be : The length of a cover letter is vital in conveying your message concisely. Discover the optimal length to make sure your cover letter is not too short nor too long.
• Ensure that you know how to write a resume in a way that highlights your competencies.
• Check the expert curated popular good CV and resume examples

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Larry Fink’s 2024 Annual Chairman’s Letter to Investors

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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