Retirement Portfolio Resilience Perspective
Primary Pillar: Retirement Portfolio Construction
Supporting Pillars: Sequencing Risk Awareness • Risk Pricing Discipline
This article examines the characteristics of retirement income solutions and the evolving needs of retirees.
While retirement income was an important focus of industry discussion at the time, Gyrostat's philosophy has subsequently evolved to place greater emphasis on Retirement Portfolio Resilience as a complementary portfolio construction discipline. Rather than replacing growth assets or traditional retirement income solutions, Retirement Portfolio Resilience is designed to complement long-term growth portfolios by helping investors address sequencing risk and remain financially and emotionally invested throughout retirement, regardless of the path markets take.
This article forms part of a broader body of research, educational articles and practical insights organised through the Retirement Portfolio Resilience Framework.
Falling interest rates are highlighting the limited range of investments that deliver a regular and stable income stream with capital security.
Article contents:
1. A framework for desired product features – Financial System Inquiry
2. Investment risk management approaches
3. Investment risk management advances from technology and deregulation - always in place
4. The Gyrostat Absolute Return Income Equity Fund
Gyrostat has for 34 consecutive quarters operated within a ‘hard’ defined risk parameter (no more than 3% capital at risk) always in place, delivered regular income by passing through ASX20 dividends, and met returns guidance based upon market conditions (demonstrating increasing returns with market volatility.) The fund buys and holds ASX 20 shares with lowest cost protection always in place with upside.
5. Frequently asked questions
