A modelling tool for regulated advisers. It recommends no product; the advice remains yours.
The futures
An economic scenario generator that switches between normal times and crises: inflation, shares with sudden falls, the short rate and the yield curve, dividends, corporate spreads that widen in a crisis, index-linked bonds, property following shares with a lag, currencies, wages and costs, and private equity, crypto and collectibles. Every asset meets the crisis.
The same futures for every plan
Every plan of a household runs on the same 512 futures, so a change shows the change's own effect, never a different roll of the dice.
Where every assumption comes from
Every market parameter carries its basis: published, fitted to CSO, ECB, OECD or US Federal Reserve data, calibrated, or a judgement, said as such. A test re-runs the fits, so a parameter cannot drift from its data unnoticed.
The lower-return case
Share returns follow history by default; beside the headline, the plan is shown with returns two points a year lower, as forecasts suggest.
All futures, or one life
Every figure says which it is: across all 512 futures (a chance, a range, a typical value) or from one traced life, the one the month-by-month audit and the verification pack follow.