A strategy built to work across growth, recession, inflation, and deflation — then convert your accumulated wealth into income you can live on.
They optimise for the environment they're in — and get hurt when it changes. Markets don't stay still. Your portfolio shouldn't either.
Concentrated in equities during a bull market. Concentrated in cash during fear. Reactive, emotional, and exposed to whichever season arrives next.
Designed with something working in every economic condition. Not predicting the future — prepared for any of them. Compounding quietly through every season.
Every economy cycles through these four conditions. The goal is not to predict which comes next — it's to ensure you're never fully exposed to any one of them.
Economy growing. Companies earning. Confidence high. Risk assets thrive.
Prices rising. Cash and bonds lose real value. Cost of living climbs.
Slowdown. Risk assets sell off. Fear spikes. Unemployment rises.
Prices falling. Spending slows. Debt burdens grow. Fixed income appreciated.
Where the majority of long-term wealth creation happens. Equities compound powerfully over decades — broad diversification across geographies and asset classes captures that story.
When markets crash, real assets — particularly gold — typically hold or rise. A 20% allocation meaningfully reduces portfolio volatility without sacrificing long-term growth.
Adjust the sliders to model your own scenario. Figures are illustrative, based on an assumed 7.5% p.a. blended return.
Illustrative only. Based on an assumed blended return of 7.5% p.a. Not a guarantee of returns. Actual results will vary depending on fund selection, market conditions, and fees. Distribution rates are not guaranteed and may vary.
Illustrative only. Based on an assumed blended return of 7.5% p.a. Not a guarantee of returns. Actual results will vary depending on fund selection, market conditions, and fees. Distribution rates are not guaranteed and may vary.
Once you stop working, you no longer need your money to grow aggressively. You need it to pay you. At or around retirement, the accumulated portfolio transitions into an income-oriented allocation — one designed to generate regular distributions while keeping your capital invested.
| Fund Value | At ~0.5% / month |
|---|---|
| $200,000 | ~$1,000 / month |
| $300,000 | ~$1,500 / month |
| $400,000 | ~$2,000 / month |
| $500,000 | ~$2,500 / month |
| $750,000 | ~$3,750 / month |
| $1,000,000 | ~$5,000 / month |
Your capital stays invested. Only the income is paid out. The fund continues generating moderate returns alongside distributions — your wealth doesn't simply drain away.
Invest monthly or as a lump sum into the 80/20 growth and gold blend. Let compounding work. Time is the most powerful force in investing — start early, stay invested.
As retirement approaches, review the fund value and decide the right moment to switch. Optional: move funds gradually rather than all at once to manage timing risk.
Transition to an income-oriented allocation. Receive regular distributions. Capital stays invested and continues to generate moderate returns. Draw what you need; leave the rest to grow.
The centre of global economic gravity is shifting eastward. Asia Pacific now accounts for more than half of global GDP growth. Meaningful exposure to Asian markets is not a regional bet — it is an acknowledgement of where the world is heading.
Central banks — from China to India to Eastern Europe — are buying gold at the fastest pace in half a century. When the biggest institutions in the world are quietly accumulating an asset, it is worth paying attention. De-dollarisation is slow but structural.
Energy transition, deglobalisation, ageing demographics, and persistent government spending all create structural upward pressure on prices over multi-year periods. A portfolio with real assets — equities and gold — is better positioned than cash or low-yield deposits.
Share a few details and we'll put together a personalised illustration — no obligation, no pressure. Just clarity on what this strategy could look like for you.
Your information is kept confidential and used solely to prepare your personalised illustration. We do not share your data with third parties.
Your projection is being prepared. Expect a message from us within one business day.
Request a Strategy Call Instead