We provide market leading financial forecasting tools that help advisers and consumers to see the potential risk and return from investment choices.
We're passionate about creating highly interactive, user-friendly and comprehensive solutions using the most powerful and flexible stochastic model available - Towers Watson CAP:Link.
Our founder, Bruce Moss, introduced the concept of stochastic forecasts to employees in defined contribution pension plans in 1993. In 2002 we launched the eValue engine for use in all areas of the financial industry.
Having produced great solutions for many satisfied customers as part of Towers Watson, we now have even greater capability as an independent company - eValue FE.
Defined Contribution retirement planning
Making sense of what income investments could provide in retirement and how to solve any shortfalls.
Employees with defined contribution pension plans have a hard time understanding what they might get in retirement and the risks they are running. By providing individual forecasts showing the range of likely outcomes, employees can see how the investment choices available affect these potential outcomes. eValue helps employees achieve realistic expectations. This enables them to identify and take action to address potential shortfalls in their "hoped-for" retirement income.
Final Salary pension scheme changes
Making sense of the choices available with final salary scheme benefits.
Many companies are changing or have closed their final salary pension schemes. The options involved are complex - often involving a potential change in guaranteed benefits with a transfer of risk and potential reward to the individual. eValue, and the use of personalised information can make these difficult choices "come alive".
Lifetime cash flow planning
Making sense of financial plans with lifetime cash flow and goal planning.
Lifetime cash flow is an excellent way for advisers to give holistic financial planning advice. However, it can be very time consuming to prepare client reports. Unlike other cash flow planners, eValue incorporates true stochastic modelling so that an investor's attitude to risk can be taken into account. eValue also allows individual goals to be worked on independently of, or as part of, a lifetime cash flow plan.
Wealth planning
Making sense of the impact of investment risk on clients' investment and wealth accumulation goals.
Providing a meaningful communication of investment risk and potential return is a key component of compliant advice. eValue's stochastic forecasts of potential outcomes are an extremely effective way of demonstrating that investor expectations have been appropriately set. Forecasts show the possible range of returns for particular investment strategies and how these compare to any existing positions.
Attitude to risk
Making sense of an investor's attitude to investment risk to help select suitable investment strategies.
A validated attitude to risk questionnaire allows advisers to reliably identify an investor's risk profile. However this can only ever be the starting point for a discussion about investment risk and its meaning in the context of an investor's financial goals and current situation. Forecasts of potential outcomes in the context of an investor's goals and financial situation are an excellent way of progressing a discussion about investment risk.
Investment forecasting
Making sense of differences between funds and investment strategies using personalised options.
Explaining to clients the differences between particular funds and investment strategies can be difficult without an appropriate tool to help. eValue can provide consumers with an understanding of how their fund choices fit with their financial risk profile.
Post retirement income
Making sense of retirement income strategy, the best way of delivering it and the associated risks.
Choices at retirement can have a lasting impact on a person's income and future life. It is therefore a critical decision and one of the most important for an adviser to get right. eValue can compare the options of buying an annuity, drawing down income or investing in a variable annuity in visually striking ways which enable the merits of each option to be clearly seen and communicated. Comparing these options and their timing are key parts of the advice process.
With-profits
Making sense of with-profits is a huge challenge but one that eValue can meet.
Advisers who wish to review a with-profits policy have a number of hurdles to leap - identifying the policy and life office, capturing the product details (guarantees and options) and understanding how the with profits fund is being managed. eValue's with-profits analyser provides an easy to use solution including full industry data. Compliant policy reviews can be produced quickly and efficiently.
Tax Calculators
Making sense of the tax implications of investment decisions is fundamental.
eValue has tax calculators for all the major areas of tax so that the tax implications of buying different investment products and undertaking alternative investment strategies can easily be evaluated. The after tax implications of different activities such as income drawdown can be assessed and optimised.