Retirees

You’ve finished the climb. Now, let’s enjoy the view.

Protecting your “nest egg” from market noise and inflation, ensuring your lifestyle is funded for the decades ahead.

See what your capital
could become

Based on a growth investor profile earning 11.5% p.a. after fees and taxes.

Turning capital into a sustainable paycheck

The greatest challenge in retirement is the loss of a regular salary. Moving from a growth-focused mindset to an income-focused one requires a different technical discipline. You need a portfolio that provides consistent cash flow while remaining resilient against inflation and market volatility.

Our role is to act as your objective filter. We remove the complexity of managing drawdowns and tax structures, ensuring your money works for your life. We focus on long-term stability so you can focus on the things you have spent years planning to do.

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Protection for your next chapter

The Inflation Buffer

Cash in the bank loses value every year. We build portfolios that aim to outpace the cost of living, protecting your future purchasing power.

Automated Drawdowns

We set up the mechanics so your retirement income arrives in your account like a regular salary. No manual selling of shares or stressful timing of the market.

Health & Longevity Planning

We structure your capital to ensure it remains robust even if your needs change or you require specialised care in the future.

Legacy Coordination

We work with your legal team to ensure your wealth is positioned to pass to the next generation according to your wishes, without unnecessary complexity.

Total administrative freedom for your capital.

You have spent decades managing your career, your business, or your farm. Retirement is the time to delegate the operational burden.

Earnslaw Goodlight acts as your External Investment Office, providing the framework to keep your financial life simple. We handle rebalancing and asset allocation in the background. This provides the ballast needed to weather economic shifts and removes the noise of retail financial markets.

Where needed, we work with your accountant to ensure your income is tax-efficient. Your assets remain in your own name via a secure custodial account, supported by our local oversight.

Moving into retirement with confidence.

The Lifestyle Audit

We determine exactly how much income you need to fund the life you want.

The Safety Margin

We identify the "bucket" of liquid cash needed for emergencies and short-term spending.

The Growth Engine

We position your remaining capital in a diversified portfolio to fight inflation.

The Ongoing Stewardship

We meet regularly to adjust for life changes, ensuring your plan stays on track.

Frequently Asked Questions about Retirees

Our portfolios are structured with what we know of market conditions at the time. If adverse market conditions prevailed, then adjustments maybe needed to the portfolio.

To preserve capital, you should look to commit to an investment period of at least 3 years and potentially longer, depending on your strategy. However, changes in financial circumstances are normal and some or all of your portfolio can be sold, and paid out generally within 30 days.

Markets do go up and down depending on performance of the individual assets, economic cycles and market sentiment.
However, Financial Markets have historically produced the highest returns of all asset classes and we recommend simply riding out any downward investment cycles.

Never. We are a flat-fee firm. Our only loyalty is to you, your portfolio and your investment returns.

Ask a Question

Can’t find your question?

Every investment situation is different, and the best answers are personal ones. Talk to an advisor and get clarity on what matters most to you.

Ask a Question