Retirement Portfolio Resilience — Corporate Presentation
How will your retirement portfolio respond to the next major market fall?
In retirement, contributions cease while withdrawals continue. Cash can provide time, but we cannot determine how long markets will take to recover.
Responsible stewardship means constructing the portfolio in advance for both financial and behavioural survivability.
Traditional retirement portfolios include Growth, Defensive and Retirement Income.
But what part of the portfolio is specifically responsible for sequencing risk and behavioural survivability?
Retirement Portfolio Resilience
Retirement Portfolio Resilience is a dedicated portfolio function designed to address this problem.
It sits alongside Growth, Defensive and Retirement Income.
Four Functions of a Retirement Portfolio
☐ Growth — Long-term capital appreciation
☐ Defensive — Capital stability and liquidity
☐ Retirement Income — Sustainable retirement cash flow
☑ Retirement Portfolio Resilience — Sequencing risk and behavioural survivability
What difference can 5% make?
1 RPR Unit = 5% of the total portfolio.
Across the four Australian equity-market falls of 7% or more since January 2022, 1 RPR Unit historically mitigated approximately one-third of the loss attributable to the Australian-equity allocation.
Over the five years to 31 August 2026, both Gyrostat Class A and Class B delivered higher annualised returns than Australian equities, with lower volatility.
Gyrostat's Corporate Presentation sets out the framework, evidence and implementation.
