Retirement Investing, Re-Designed

    Supporting clients before, during and throughout retirement.

    As clients move into retirement, portfolios must balance income needs, capital resilience and long-term growth. The interaction between withdrawals, inflation and market volatility requires a deliberate investment approach.

    Binary Capital’s Retirement Solutions are designed to help advisers meet that challenge.

     

    A Different Investment Phase

    Retirement is not accumulation with lower equity exposure.

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    Retirement Is Different.

    Withdrawals amplify volatility and make early losses more damaging.
    Inflation erodes real income over multi-decade horizons.
    Clients still require growth to protect against longevity risk.

    It is not just average returns that matter — it is the order in which they occur.
    A considered investment approach is essential.

    The Three Risks That Shape Retirement Outcomes

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    Longevity

    Many retirees will draw income for 20 to 30 years or more. That extended time horizon changes the risk profile entirely.

    The objective is not simply growth, nor pure capital preservation. It is maintaining resilience while supporting consistent withdrawals. Too little growth risks erosion over time. Too much volatility risks destabilising income.

    Longevity requires balance, discipline and a realistic withdrawal framework.

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    Inflation

    Even modest inflation compounds meaningfully over long periods. An income that feels comfortable today may need to be materially higher in 10 or 15 years to maintain the same standard of living.

    Reducing risk entirely at retirement can protect short-term stability but undermine long-term purchasing power. Managing inflation requires measured exposure to growth assets and ongoing rebalancing.

     

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    Sequencing

    Two portfolios with identical long-term averages can produce very different outcomes depending on when losses occur.

    Market declines in the early years of retirement, when withdrawals are underway, can permanently impair sustainability. Managing drawdowns during this transition phase is therefore critical.

     

    Advice and Investment, Working Together

    Retirement outcomes are strongest when financial planning and investment management operate in partnership.
    A portfolio alone is not a retirement plan. And a financial plan without disciplined portfolio management leaves clients exposed to market realities.

    What Advisers Bring

    Advisers sit at the centre of the client relationship. In retirement, their role becomes more critical, not less.

    They:

    Model cashflows across decades, stress-testing for different return environments.
    Sequence withdrawals across pensions, ISAs and general accounts to improve tax efficiency.
    Guide pension crystallisation decisions and inheritance planning.
    Provide behavioural discipline when markets become volatile.
    Adapt plans as spending patterns, health and circumstances change.

    Retirement is dynamic. Advice must evolve with it.

    What Binary Capital Delivers

    Our role is to ensure the portfolio supports that plan with discipline and consistency.

    We:

    Construct diversified multi-asset portfolios aligned to defined objectives.
    Manage drawdown risk and volatility across market cycles.
    Maintain exposure to growth assets to support longevity and inflation protection.
    Rebalance portfolios as conditions change.
    Implement efficiently and transparently across platforms.

    Where advisers manage the client journey, we manage the investment framework that underpins it.

    A Real-World Example

    Consider a client retiring at 62 with a 25-year time horizon.

    The adviser models sustainable withdrawals at approximately 4% and sequences pension crystallisation to optimise tax efficiency.

    Binary aligns the portfolio to support that strategy:

    • An income-focused allocation to support withdrawals
    • Volatility-aware assets to reduce early drawdown risk
    • Growth exposure to protect purchasing power over time
    • Capital stability for defined short-term needs

    When markets fall in year two, the adviser reinforces the plan.
    The portfolio has been designed to absorb volatility without forcing reactive decisions.

    The result is not just income delivery — but confidence in the sustainability of the plan.

    The Outcome

    Financial planning sets the direction.
    Disciplined portfolio management supports it.

    Together, they create retirement solutions that are resilient across market cycles and aligned with long-term client objectives.

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    Our Retirement Solutions

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    Diversified Income

    Total Return Income. Sustainable by Design.

    • Targeting ~4%+ income
    • Total return framework, not yield concentration
    • Broad diversification across global equities, fixed income and alternatives
    • Designed for ongoing decumulation

    Ideal for: Core retirement income strategies within CRPs.

    MPS Charge: 0.30%

     

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    Targeted Returns

    Controlled Volatility. Defined Return Ranges.

    • Balanced target: 4–6% net p.a.
    • Growth target: 5–7% net p.a.
    • Significant allocation to absolute return strategies
    • Strong focus on minimising drawdowns
    • Designed for early and ongoing decumulation

    Ideal for: Clients requiring smoother return profiles in retirement.

    MPS Charge: 0.30%

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    Gilt Service

    Structured Gilts. Precision Capital Stability.

    • Short-dated gilt structures
    • Defined capital return timelines
    • Capital gains tax exemption on direct gilt holdings
    • Designed for income planning or defined future liabilities

    Ideal for: Capital preservation, income matching, gifting strategies or short-term certainty.

    MPS Charge: From 0.15%

    Who uses these products

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    Rob Tiffin -
    Altior Asset Management

    About Rob

    Binary’s Retirement Solutions allow me to structure portfolios around the real risks my clients face — sequencing, inflation and longevity.

    The Diversified Income strategy supports sustainable withdrawals without chasing yield. Targeted Returns helps manage volatility in the early years of drawdown. And the Gilt Service provides capital stability when clients need defined outcomes.

    It means I’m not simply lowering equity exposure. I’m building retirement portfolios with intention.

    For my clients, that creates clarity and confidence. For me, it means I can focus on planning and tax strategy, knowing the investment framework is disciplined and resilient.

    Now Available

    The Binary Retirement Solutions range is live and available across major adviser platforms.

    Factsheets, implementation guides and portfolio data are available on request.

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