New cashflow modelling

• Input household income and expenditure for the given age ranges of the client and their partner.
• Comprehensive stress testing to determine capacity for loss:
  • Market Event Simulation – prepopulated or create your own.
  • Randomiser – user-selected minimum and maximum growth rates

Drawdown & annuity analysis

• At retirement drawdown versus annuity cash flow analysis.
• Build up to 3 decumulation strategies to maintain an income until the target age, using Office for National Statistics (ONS) Life Expectancy Tables or a chosen age.
• Include Type A and Type B critical yields.
• Standard or advanced annuity quotes from Assureweb.
• Income analysis table with the option to include a State Pension forecast.
• Drawdown to Drawdown Transfer tool also included.

Income modelling feature

• Includes State Pension, bonds, collectives, ISAs and other guaranteed income sources and assets.
• Allows different specified growth rates to be applied to different assets.
• Gives a comprehensive and flexible shortfall analysis
• Demonstrates income returns over time

This tool includes critical yields, the ability to build and maintain fund portfolios, compare existing fund performance vs new fund performance, and filter by features & financial strength.