Your Wealth Overview

Here's a complete picture of your household's financial position right now.

Net Worth

Total Assets

Total Debt

Monthly Cashflow

Savings Rate

Debt-to-Asset

Projected Wealth (median)

Asset AllocationiBreakdown of total assets by category, using current balances from the Assets tab. Percentages are of gross assets, before debt.

Assets

Household Profiles

Client 1

Primary client

First name

Last name

Date of birth

Address

Street address

Apt / Suite

City

State / Province / Canton

Postal code

Country

Risk Profile

Risk tolerance

Time horizon

Children

No children added.

Income

Client 1

Primary income (annual)

Secondary income (annual)

Client 1 subtotal: -

Annual raise % (both)

Household total income (live)iHousehold total income: the sum of both clients' primary and secondary income, before any tax. This gross figure feeds the Tax panel, the Income→Expenses→Surplus link, and the market simulation's income growth path.

Updates as you type. Sum of all income fields above.

Annual Savings

Committed annual saving while working. The simulation adds it to cash each year as far as the surplus allows; any surplus above it counts as spending. With rebalancing on (Settings), cash and investments are brought back to the invested allocation %.

Annual savings ($/yr)

Savings rate & coverageiSavings rate is your committed annual savings (the amount entered in Annual savings) as a % of gross household income: savings ÷ gross income × 100. Coverage compares that commitment to your actual annual surplus (gross income − tax − expenses − annual debt service): if savings exceed surplus, the shortfall is drawn from cash reserves in the simulation.

Enter a savings amount to see your savings rate and how it compares to current available surplus.

Annual Household Expenses

Enter total annual spending for the entire family, combined across both clients, children, and all dependents living in the household. Each line should already include every household member.

Living expenses (household)

Insurance / health (household)

Other expenses (household)

Total annual household expenses (live)iTotal household expenses: living costs + insurance/health + other, combined across the whole family (plus any insurance premiums you've chosen to include). This total is subtracted from after-tax income to compute your annual surplus (see the breakdown just below), which drives savings available in the market simulation.

Updates as you type. Sum of all three categories above, covering the entire family.

How these expenses connect to your income iYour expenses are subtracted from income (less tax & debt) to compute annual surplus, the money available to save and invest. This same figure drives the savings panel on the Income tab and the cash-flow projection.

Gross income / yr-

− Income tax-

− Total expenses-

− Debt service-

= Annual surplus-

This surplus feeds the savings panel on the Income tab and the simulation.

Inflation

Region

Inflation rate %

Tax follows the tax jurisdiction and the state, province or canton, which sync from the Household address. Switzerland: federal, cantonal, communal and church income tax from the official ESTV tax tables (tax year 2026) for the canton, municipality, tariff, church membership and children, after social and pension contributions. Other countries: national brackets in local currency (selected currency shown) plus an approximate state or regional rate at around $100k of household income. Use the manual settings below if the situation differs.

Country (from Household)

State / Province / Canton

Tax jurisdiction

Income-tax brackets & child benefits use this jurisdiction. Defaults to the client's residence country; override to model any of the 39 supported countries.

Income-tax source

Flat income-tax rate %

Capital gains rate %

Portfolio turnover %

Share of portfolio that realizes taxable gains each year. Applied as a return drag: effective return ≈ gross × (1 − CGT × turnover)

Apply tax to simulation

Gross household income

Federal income tax

State / local tax

Net household income (after all taxes)

After-tax expected investment returniAfter-tax expected return: your portfolio's gross expected return reduced by a capital-gains-tax drag: effective return ≈ gross × (1 − CGT rate × portfolio turnover %). This after-tax figure is what the market simulation compounds when "Apply tax to simulation" is set to Yes.

Assets & Accounts

Country:

🇺🇸 United States account types

No accounts added yet.

Add Account

Account type

Owned by

Label (optional)

Balance / Value

Other Assets

Property / Real estate value

Primary home, investment properties, land, or any real estate not already listed as an account above.

Other assets (misc)

Business interests, collectibles, receivables, or any other asset not captured above.

Return mean %

Return volatility %

Derived from the selected risk profiles (and portfolio holdings when entered). Editable as a manual override only when no risk profile is chosen on the Household tab and no holdings are entered. The risk-profile table below applies to every currency except the Swiss franc, whose profiles are priced on the CHF assumptions.

By risk profile

Profile	Mean %	Volatility %
Conservative	4.5	7
Moderately Conservative	5.5	9
Moderate (60/40)	7.0	12
Moderately Aggressive	8.5	15
Aggressive	10.0	18

By asset class (portfolio weighted)

Asset class	Mean %	Volatility %
Equity	8.0	14
Fixed Income	4.5	5
Real Estate	6.5	11
Commodity	5.5	16
Alternative	9.0	18
Mixed / Balanced	6.0	9
Cash	0	0

Reference figures only: with holdings entered, the simulation uses the capital market assumptions shown under Goals-Based Analysis on the Simulation tab.

Liabilities: Loans

No loans added.

Add Loan

Loan type

Owned by

Balance

Currency

Interest rate %

Years remaining

Label (optional)

Desired lifestyle

Desired retirement age

Annual retirement spending

Retirement location

Location can differ from your current country; cost of living varies.

State pension

Client 1

Programme

Annual benefit

Start age

COLAiCost-of-Living Adjustment. How a state-pension benefit keeps pace with inflation over time. Full: rises with inflation each year (preserves purchasing power). Partial: rises at 50% of inflation (slowly loses value). None: fixed nominal amount, so purchasing power erodes every year.

Cost-of-Living Adjustment (COLA) determines whether this income stream grows with inflation.

• Full COLA: the benefit increases by the full inflation rate each year, so its real (purchasing) value stays constant. Typical of most public pensions.
• Partial: the benefit rises at half the inflation rate; real value slowly declines (common for capped or partially-indexed plans).
• None: the benefit is fixed in nominal terms. With 3% inflation, its real value roughly halves over ~23 years (typical of many private annuities).

Why it matters: over a 25-30 year retirement, the COLA choice can change the lifetime value of a pension by tens of percent. Choosing None on an income that should be indexed will understate your real spending power later in life.

Auto-populates from Client 1's country (Household tab).

Financial Goals

No goals added.

Add Goal

Amount is per year, in the household's currency (USD), for the duration of the goal. Total = amount × number of years. Enter the calendar year range when spending begins and ends.

Model an alternative future in one scenario: stack a permanent income change, earlier retirement, any number of one-time events (unexpected costs or opportunities) and timed income or expense windows (a sabbatical), then compare median wealth and goal success against the baseline plan.

No scenarios added yet. Define a scenario below and click Run.

Add Scenario

Scenario name Override retire age yrs Leave blank to keep the Household retirement age Income change % of current gross income (negative = reduction) Extra annual expense $ per year, ongoing (all projection years)

One-time eventsiAdd any number of one-off cash needs or opportunities inside this scenario, each withdrawn in its calendar year. They stack with the household Goals tab for this run only.Optional

Amount is paid once in that calendar year (same money as the Goals tab).

Timed income / expenseiTime-bounded shocks that only apply between two calendar years, for example a sabbatical (income −100% for one year), a temporary hardship, or a multi-year medical cost. Permanent salary moves stay in Income change % above; ongoing forever costs stay in Extra annual expense.Optional

From/To are inclusive calendar years. Leave To blank for a single year. Income % applies to earned income only (pensions unchanged).

Early pension withdrawaliModels taking money out of the locked retirement / pension pool at a chosen age, e.g. a client who retires at 65 but wants part of their pillar 2 out at 58. In that year the amount leaves the pension pool; what's left after the tax & penalty % lands in cash. For Swiss clients, read the effective capital-withdrawal rate from the Swiss lump-sum box (plus any early-withdrawal penalty) and enter the combined %.Optional

Amount to withdraw $ Taken at age yrs Client 1's age Lost to tax & penalty % auto-estimated, edit to override

Fine-tune projection years, simulations, probability bands and stress scenarios in the Settings panel (gear, top-right).

Your wealth outlook

Goals & funding

Retirement income & withdrawals

The lump-sum you would theoretically need today to purchase an inflation-adjusted annuity from a highly-rated issuer, funding your retirement income from your target retirement age through age 98 (a longevity horizon set from your residence country's life expectancy). Calculated using a 6.8% discount rate and your configured inflation assumption, based on standard actuarial present-value formulas.

Retirement NumberiRetirement Number: the lump sum you'd need on the day you retire. Your annual retirement spending is grown by inflation to the retirement date, then priced as an inflation-adjusted annuity paying every year from your retirement age to the planning age shown above (your country's life expectancy plus a longevity buffer), using a 6.8% discount rate.

lump sum needed at retirement

Present Value TodayiPresent Value Today: the Retirement Number discounted back from your retirement date to today at the same 6.8% rate: the amount that, invested today at that return, would grow into the full lump sum by the day you retire. This is the figure your net worth is compared against.

discounted to today's money

Current Net WorthiCurrent Net Worth: everything you own today minus everything you owe: all accounts (plus portfolio holdings, de-duplicated against any linked account), property, other assets and insurance cash value, less outstanding loan balances.

vs. target above

Funding Gap / SurplusiFunding Gap / Surplus: Current Net Worth minus Present Value Today. Positive (green): you're ahead of the actuarial target; today's wealth, compounding at the assumed rate, would cover retirement. Negative (red): the additional amount you'd need today; future savings and investment growth above the assumption can still close it.

vs. present-value target

Formula: PV = AnnualSpend × [1 − (1 + realRate)⁻ⁿ] / realRate, where realRate = (discountRate − inflation) / (1 + inflation) and n = years from retirement age to age 98. The result is then discounted back to today at the nominal discount rate. Annuity pricing assumes a 6.8% discount rate with your configured inflation rate (default 3.8%). Run the simulation or update expenses to refresh.

Cash flow & net worth

Run the simulation to populate the cash flow table.

Year	Age	Phase	Earned income	Pensions	Income tax	Expenses	Debt service	Savings target	Surplus / Deficit	Goal outflow	Cash	Investments	Ret. pool	Net worthiTotal assets minus total liabilities as of the end of this year: cash + investments + retirement pool + property/other, minus remaining loan balances.	Notes
Run the simulation and the cash flow table will project from today until the primary client turns 90.

Today (year 0) Retirement starts State pension starts Goal year

Year	Age	Phase	No-Inv NW	Current NW	Δ Cur − No-Inv
Run the simulation to compare all three scenarios.

Portfolio efficiency & risk

Taking your 2nd pillar (BVG/LPP) or pillar 3a as a lump sum is taxed separately from your other income, once for each withdrawal year, at a reduced rate that varies widely by canton. This estimates that capital-withdrawal tax and shows how staggering across years (and where you reside) changes it.

Canton of residence

MunicipalityiCantonal, communal and church tax depend on the municipality: each sets its own tax multiplier, and each parish its church tax. Automatic takes it from the Swiss client's postal code (and city) on the Household tab, which also sets the canton; without a match, the cantonal capital. Rates for every municipality from the official ESTV tax calculator, tax year 2026.

Tax tariffiMarried couples and registered partners are taxed together at the married tariff, which is lower on the same amount; everyone else at the single tariff. Automatic follows the Household tab: client 2 entered as Spouse means married. Choose explicitly for a married client whose spouse is not entered, or a separated couple. Applies to every Swiss tax in the app: the income tax in the projection and the tax panel, the capital-withdrawal tax, the annuity's income tax and the wealth tax.

Church tax, client 1iMembers of a recognised church pay church tax on income, wealth and capital withdrawals: a share of the cantonal tax that differs by canton and church (figures from the ESTV tax calculator). Ticino and Vaud levy none; in Geneva and Neuchâtel it is voluntary. A married couple pays half of each partner's church rate, so a couple with one member pays half.

2nd pillar (BVG/LPP) balance todayCHF

Pillar 3a balance todayCHF

Pension-fund interest creditediThe interest the pension fund credits on the retirement assets each year. Default: the BVG minimum rate of 1.25% (2024-2026), which applies to the mandatory part; many funds credit more. Enter the rate on the client's pension certificate. Vested-benefits accounts grow at the same rate, pillar 3a at the retirement-pool rate of 3.5%.% a year

Pension-fund contributions, client 1iYearly savings contributions (employee + employer) into the pension fund while the client works. Leave blank for the BVG legal minimum: the coordinated salary (the salary up to CHF 90,720 less the coordination deduction (Koordinationsabzug) of CHF 26,460; nothing below the CHF 22,680 entry threshold, at least CHF 3,780) times the age-related retirement credit of 7% (25-34), 10% (35-44), 15% (45-54) or 18% (55-65). Many funds insure more than the minimum: enter the savings contributions from the pension certificate instead. The employee pays half, out of pay and tax-deductible.CHF / yr

Pillar 3a payments, client 1iWhat the client pays into pillar 3a each year while working, in today's money. Capped at the legal limit: CHF 7,258 (2025-26) with a pension fund; without one, 20% of earned income up to CHF 36,288. Paid from the yearly surplus and deducted from taxable income. Leave blank if the client does not pay in.CHF / yr

Stagger 3a and vested-benefits withdrawalsiThe capital-withdrawal tax is progressive on each calendar year's total, so drawing several pillar 3a and vested-benefits accounts in different years lowers it. The projection pays them in up to this many yearly tranches, one account closed per year (vested benefits: at most two accounts), ending in the withdrawal year and never before 60; a client with one account has one tranche. The pension fund pays its capital in one tranche at the withdrawal age.

Pension-fund annuity already paid, client 1iOnly for a client who already draws a pension-fund (2nd pillar) annuity: the yearly amount, fixed. It is added to income from today, on top of the AHV pension on the Income tab, and is not subject to the AHV couple cap. Do not also keep that fund's capital on the Assets tab.CHF / yr

Planned withdrawal ageiDefaults to the plan's retirement age. Pillar 3a and vested-benefits accounts can be drawn from 5 years before the AHV reference age (age 60). A pension fund can pay out from age 58 if its regulations allow early retirement. After 65 only while still working, and no later than 70. Earlier only for specific purposes: buying or amortising your main home, becoming self-employed, leaving Switzerland for good (the mandatory 2nd-pillar part stays locked if you move to an EU/EFTA country), or a full disability pension.yrs

Early-withdrawal penaltyiSwiss pillars impose no standard percentage penalty; early withdrawal is instead restricted to the purposes above, and the capital-withdrawal tax still applies. Use this to model any fund-specific reduction or a scenario penalty, applied only to the part that would be drawn before its legal age (58 for a pension fund with early retirement, 60 for pillar 3a and vested benefits). Default 0%.% if drawn early

Illustrative estimate, not tax advice. Federal, cantonal, communal and church taxes from the official ESTV tax calculator (tax year 2026, age 65), at the municipality, tariff and church membership chosen above. Your actual tax also depends on your deductions and the year. Same-year withdrawals from your 2nd pillar, pillar 3a and a married spouse's pillars are added together for the progressive rate. Confirm with your pension fund and your canton's tax office.

At retirement your 2nd pillar (BVG/LPP) can be drawn as a lifelong annuity or a one-time lump sum. The annuity is taxed as income for life and insures against outliving your money; the lump sum is taxed once (panel above), then it's yours to invest and leave to heirs. This compares the two and finds the break-even age. It is a comparison, not a recommendation. The right choice also depends on your health, family and risk appetite.

2nd pillar (BVG/LPP) capital todayCHF

Conversion rateiThe Umwandlungssatz: the % of your capital your fund pays as an annual pension for life. Swiss funds' average rate at 65 was about 5.2% in 2025 (OAK BV), and falling. The 6.8% BVG minimum applies only to the mandatory part of your capital. Enter the rate your fund quotes for your retirement age. Until you do, the results are marked as using the market average.%

Retire at age

Early-retirement cutiDrawing your 2nd-pillar pension before the reference age (65) lowers the conversion rate your fund applies, typically about 0.1-0.2 percentage points for each year early, which reduces your lifelong pension. Set your fund's figure; 0 disables it.%pt / yr early

Plan through age

Tax on the annuityiAutomatic: the annuity is added to the AHV pension(s) and any pension-fund annuity already paid, and taxed at the canton's progressive income-tax rates (federal + cantonal + communal, married or single tariff and church tax as chosen in the panel above), from the ESTV tax calculator after the standard pensioner deductions. The figure shown is that extra tax as a % of the annuity. Type a rate to override it; clear the field to go back.%

Net return if investediIf you take the lump sum, this is the assumed annual return you'd earn on it while drawing the same income the annuity would pay, after fees and after the income tax on its dividends and interest (capital gains are tax-free for private investors in Switzerland). The wealth tax on the invested capital is deducted separately each year. A conservative rate is prudent, since the lump-sum path carries the investment and longevity risk the annuity removes.%

Illustrative comparison, not financial or tax advice. It does not capture the annuity's survivor pension (typically ~60% to a spouse), inflation indexing (BVG pensions are only partly indexed), your fund's exact terms, or your health. Taxes use the canton, municipality, tariff and church membership selected in the panel above, from the ESTV tax calculator (tax year 2026); the annuity's income tax is the first year's. The annuity-vs-lump-sum decision is significant and often irreversible, so review it with a licensed pension advisor.

Singapore has no state pension. Citizens and permanent residents save for retirement in the CPF: employer and employee contributions go to the Ordinary, Special and MediSave accounts, which earn guaranteed interest (2.5% and 4%, plus extra interest on the first SGD 60,000). At 55 a Retirement Account is set aside; from 65 (or as late as 70) it pays CPF LIFE, a lifelong annuity, tax-free. Savings above the set-aside can be withdrawn from 55. The voluntary SRS gives tax relief on contributions, and half of each withdrawal is taxed. The same model runs in the projection, the cash flow and the report.

CPF status, client 1iCitizens and permanent residents employed in Singapore pay CPF on wages up to SGD 8,000 a month (SGD 102,000 a year): 37% up to 55 (20% from pay, 17% from the employer), less from 55 (2026: 34%, 25%, 16.5%, 12.5%; from 2027 35.5% and 26% for 55-65). A new PR pays graduated rates in the first two years. Foreigners on an Employment Pass, S Pass or Work Permit cannot contribute; their Singapore option is SRS. Wages are the primary income (ordinary wages) and the secondary income (additional wages, such as a bonus) on the Income tab. Automatic: a citizen or PR when the client has CPF accounts on the Assets tab, otherwise a foreigner (no CPF).

CPF LIFE payout start, client 1iPayouts can start at any age from 65 (the payout eligibility age, unchanged by the 2026 rise in the retirement age) to 70, when they start automatically. Each year of deferral adds up to about 7% for life. Just before payouts start, the Ordinary Account tops the Retirement Account up to the Full Retirement Sum. The start age of the pension field on the Goals tab is the same setting; when a CPF LIFE payout is typed there, its start age is used.

Sex, client 1 (CPF LIFE)iCPF LIFE pays women less for the same premium, because they live longer on average. CPF publishes its 2026 payout estimates for men only; women's payouts are taken as about 7% lower (CPF's 2025 ranges).

Retirement sum at 55iAt 55 the Special Account closes and a Retirement Account is set aside from it, then from the Ordinary Account, up to the member's cohort Full Retirement Sum (SGD 220,400 for those turning 55 in 2026, 228,200 in 2027, then taken to rise 3.5% a year). A property owner can pledge the property and keep only the Basic sum (half), withdrawing the rest. Topping up to the Enhanced sum (twice the current FRS) raises CPF LIFE; the transfer cannot be undone. Whatever the RA does not take can be withdrawn.

CPF LIFE planiStandard: a level payout for life. Escalating: starts about 22% lower and rises 2% a year (it overtakes Standard around 77-78). Basic: a smaller premium, about 10% lower payouts that can fall in the late 80s. The whole Retirement Account buys the annuity when payouts start; unused premium goes to the nominees.

Ordinary Account withdrawaliFrom 55, what the Retirement Account does not take can be withdrawn. The projection pays it into the plan's own investments at retirement (or at 55 if chosen), then sweeps later inflows each year. Left in CPF it would earn 2.5%; housing use of the OA (refunded on sale) is not modelled.

SRS contributions a year, client 1iThe Supplementary Retirement Scheme: contributions are deductible up to SGD 15,300 a year (citizens and PRs) or SGD 35,700 (foreigners), paid from the surplus while working, until withdrawals start. The account grows at the retirement-pool rate.SGD

SRS prescribed retirement age, client 1iFixed by the date of the FIRST contribution: 62 before July 2022, 63 from July 2022 to June 2026, 64 from July 2026. From then, withdrawals can be spread over up to 10 years and half of each is taxable; earlier, all of it is taxable plus a 5% penalty. The projection withdraws it over 10 years from that age or retirement, whichever is later.

Illustrative estimate, not financial or tax advice. CPF rules as of 2026 (CPF Board, IRAS, MOM), in SGD. CPF publishes no payout formula: CPF LIFE is fitted to CPF's 2026 Standard-plan estimates for men (within about SGD 5 a month), and the Escalating, Basic and female factors are approximations. The 4% floor on Special, MediSave and Retirement Account interest is guaranteed to the end of 2027 and assumed to continue; retirement sums after 2027 are taken to rise 3.5% a year, the Basic Healthcare Sum 4.6%, and the wage ceilings to stay at their 2026 levels. Housing use of the Ordinary Account, the extra withdrawal from 65 and withdrawals on leaving Singapore are not modelled. Confirm with the member's CPF statement and the CPF calculators.

Estate & methodology

Inputs the simulation reads

Income (sum of all four income fields), annual raise %, base expenses (Living + Insurance + Other), inflation rate (taken from the Region preset, based on 50-yr historical CPI averages, or your manual override), property value, other assets, the sum of every entry on the Assets tab, and each loan's balance / rate / remaining years. Projection length and number of simulations come from the Settings panel.

Return parameters by risk profile

Profile	Mean return	Volatility
Very conservative	3.5%	4%
Conservative	4.5%	7%
Moderately conservative	5.5%	9%
Moderate	7.0%	12%
Moderately aggressive	8.5%	15%
Aggressive	10.0%	18%
Very aggressive	12.0%	22%

When two clients are in the household, the mean and volatility are averaged. These figures apply to every household currency except the Swiss franc, whose profiles are priced on the CHF assumptions (Moderate: 4.7% and 9.1%). With holdings entered, the holdings' asset classes are used instead.

Stochastic engine: what happens each year

Investment return is sampled log-normally via Box-Muller, one correlated draw per asset class in the portfolio (a single blended draw when no holdings are entered), as (μ − 0.5σ²) + σ × N(0,1). Property appreciates by a random 3% ± 2% each year. Income grows by your raise %, expenses grow by inflation. Each loan amortizes with its real interest math. The annual savings target goes to cash while the surplus allows; any surplus beyond it counts as spending, except the unneeded part of a retirement-account withdrawal, which is reinvested. A deficit is drawn from cash first, then investments. Without portfolio holdings the simulation starts with 30% of liquid account balances invested, the rest in cash at 0%. Net worth at each step is cash + investments + retirement pool + property + other − remaining loan balances − unmet needs.

How goals are scored

For each goal, the engine counts the share of simulation paths whose liquid wealth covers every scheduled outflow through the goal's end year without a shortfall.

Disclaimer. This tool is for educational and planning purposes only. It is not investment, tax, or legal advice. Historical averages and randomly sampled returns do not predict actual market behaviour; real outcomes can differ materially due to sequence-of-returns risk, tax drag, behavioural decisions, fees, and unmodeled life events. Consult a licensed financial professional before acting on any projection shown here.

Portfolios

Each portfolio keeps its own holdings and linked account. Switch here, then run the Simulation on whichever portfolio is active. They're evaluated separately.

Position Overlap Across Portfolios

Positions held in more than one of your named portfolios (matched by ticker / ISIN / name), so you can screen for overlapping exposure across them.

Add a second portfolio to screen for positions held in more than one.

Live Prices (free, no API key)

Pulls live quotes from Yahoo Finance with no API key, through a data proxy (Yahoo can't be called directly from a browser). The demo uses a built-in proxy; paste your own Cloudflare Worker URL below to replace it. Prices are cached, so the last-known value still shows if a fetch fails.

Data proxy URL

No key means the keyless free source (Yahoo); brokerage-account linking (Fidelity/Vanguard/Schwab holdings) needs a licensed aggregator and belongs in the server-side product.

Linked Account

This portfolio represents

Select the account from your Assets tab that these holdings belong to. The linked account will be excluded from the Assets total to avoid double-counting, since the detailed holdings here replace it.

Current Portfolio Summary

Total valueiTotal value: the sum of all holding values in this portfolio. When non-zero, it seeds the simulation's investment pool and its asset-class mix overrides the risk-profile return assumptions.

HoldingsiHoldings: the number of distinct positions entered. More positions usually means more diversification, but quality of mix matters more than count.

Top holdingiTop holding: your single largest position as a share of the portfolio. A high figure signals single-name (idiosyncratic) risk: one holding driving outsized impact.

Concentration (HHI)iConcentration (HHI) is the Herfindahl-Hirschman Index: the sum of each holding's squared weight (0-10,000). Higher = more concentrated. Below ~1,500 is diversified; above ~2,500 is concentrated.

DiversificationiDiversification grade: a letter grade (A-F) derived from the HHI concentration. A means well spread across positions; D/F means a few holdings dominate.

Wtd yieldiWeighted yield: the value-weighted average income yield (dividends + interest) across holdings. Approximates the annual cash income the portfolio throws off as a % of value.

Wtd expense ratioiWeighted expense ratio: the value-weighted average annual fund fee across holdings. This cost is deducted from gross returns every year, so lower is better.

Risk scoreiRisk score: the portfolio's covariance-based volatility mapped to a 0-10 scale. It accounts for how asset classes correlate, so a diversified mix scores lower than the average of its parts. The bar below shades from green (low risk, near 0) to red (high risk, near 10) along this same 0-10 scale.

When the portfolio has holdings, its total is added to the simulation's investment seed and the asset-class mix overrides the risk-profile return assumptions. Avoid double-counting positions you've already entered as Investment account values on the Assets tab.

Portfolio Allocation & Asset Class Breakdown

By Asset ClassiGroups your holdings into equity, fixed income, real estate, cash and other buckets. Used for goal-bucket breakdowns and net-worth views elsewhere in the app.

By Instrument TypeiETF, mutual fund, stock, bond, alternative, etc. This is the wrapper/vehicle used to hold each position. Display and labeling only; does not affect return or risk assumptions.

By Geographic RegioniUS, developed international, emerging markets or global exposure. Display only, not currently factored into return or volatility assumptions.

Holdings

No investments added.

Add Investment

Type

Name

Ticker

Class

Value

Currency

Region

Expense Ratio %

Yield %

Notes

Add alternative investment (private equity, hedge funds & structured products without a ticker)

Type

Subcategory

Name

Value

Currency

Region

Expense Ratio %

Yield %

Notes

Want a starting portfolio built from the plan?

Open the Portfolio Builder tab and answer 4 simple questions: the rules engine builds a complete recommendation (or Claude, when your firm turns AI features on and an AI key is set).

Allocation Summary & Asset Class Breakdown

Prepared for: -

Prepared by: -

Objective: -

Target amount: -

Target amountithe amount you plan to invest in this proposal, entered above in Proposal Setup. Position weights are applied against this figure to compute the amount per holding.

Positionsithe count of positions added to this proposal.

Allocationisum of each position's weight %, should total 100%.

Target matchistatus derived from total allocation: 100% = fully allocated, over 100% = over-allocated, 50-100% = under-allocated, under 50% = awaiting allocation.

Gross returniallocation-weighted average of each position's own expected-return field. This is a different calculation from the Portfolio tab's CMA-derived gross return.

Advisory feeithe effective % drag from your advisory fee input (AUM % or flat $ ÷ target amount), same figure shown in the Advisory Fee panel above.

Net returnigross return minus advisory fee, floored at zero.

Wtd expense ratioiallocation-weighted average expense ratio across all positions.

Wtd yieldiallocation-weighted average dividend/interest yield across all positions.

Risk scoreiallocation-weighted average of a fixed per-asset-class risk score (0-10 scale). The bar below shades from green (low risk) to red (high risk) on this same scale.

By Asset ClassiGroups the proposed positions into equity, fixed income, real estate, cash and other buckets. When "simulate from proposal" is turned on, this mix directly sets the market simulation's return and volatility; otherwise the simulation uses your household risk profile.

By Vehicle TypeiETF, mutual fund, stock, bond, alternative, etc. This is the wrapper/vehicle used to hold each position. Display and labeling only; does not affect return or risk assumptions.

By Geographic RegioniUS, developed international, emerging markets or global exposure. Display only, not currently factored into return or volatility assumptions.

Proposed Positions

No positions added yet.

Add Position

Vehicle

Name

Ticker

Class

ISIN (for order routing)

Valor (Swiss)

Weight %

10yr Exp Return %

Expense Ratio %

Yield %

Rationale

Add alternative position (private equity, hedge funds & structured products without a ticker)

Type

Subcategory

Name

Weight %

10yr Exp Return %

Expense Ratio %

Yield %

Rationale

Send to Portfolio Management System

Turns the positions above into a BUY order ticket and posts it to your PM/OMS, where the orders sit as pending instructions for someone with trading authority to execute. Nothing is executed from this screen. You will see every line and the cash total before anything is sent.

Rules-based · AI optional

Build a portfolio from your plan

The rules engine sets the asset mix from your risk profile and horizon, tilts it by up to 8 points toward what the research views loaded in the Research Library favour, and picks funds for each asset class by cost, domicile and the quality figures on file. If your firm turns AI features on and an AI key is set, Claude builds it from the same inputs instead (your plan figures are then sent to Anthropic).

Step 1

Tell us about you

We use your Household, Income, Assets and Goals from the other tabs

Step 2

Uses the research on file

House views in the Research Library (Admin) tilt the mix, wirehouses weighted highest and headlines left out; with none loaded you get the risk-profile baseline

Step 3

Get your portfolio

A complete investment plan with explanations for every pick

Your preferences (most clients only adjust these 4)

How much can you invest?

Your starting investment amount

Comfort with risk

How much volatility are you OK with?

When will you need this money?

Longer horizons can take more risk

Do you care about sustainability?

Environmental, Social & Governance funds

Built by the rules engine on this device in a second or two, from the research houses' views with wirehouses weighted highest

Research the builder can use, once loaded in the Research Library

Published market outlooks from these institutions. Nothing from them is included until it is loaded; no affiliation with any of them.

Bank of America JPMorgan AM Morgan Stanley Goldman Sachs Citi Private Bank UBS Wealth Julius Baer Pictet AM Vontobel BlackRock Eaton Vance Morningstar FactSet Bloomberg Oppenheimer Seeking Alpha

Asset Class Allocation: Side by Side

Current Portfolio

Proposed Portfolio

Portfolio Returns: Past vs Future Performance

Left of today: what each mix returned a year over each past period. Right: the long-run return it is expected to average, net of fees.

Return, Risk and Cost: Side by Side

Expected return and volatility look forward, as on the right of the returns chart above. Both sides are the whole portfolio, cash counted at 0%.

Current

Proposed

Difference

Position Overlap: Portfolio vs Proposal

Positions the active portfolio and the proposal have in common (matched by ticker / ISIN / name). Overlap means the proposal doubles up on something already held. Screen these so current and proposed positions don't overlap.

Run comparison to screen for overlap.

Likelihood of Reaching Each Goal

Each goal evaluated under both portfolios using the same simulation and the household income, expenses, savings, debt schedule, and inflation. Δ is the change in success rate moving from Current to Proposed.

Run comparison to see goal probabilities.

Plan Likelihood

Plan Recommendations

Automated checks across your whole plan (single-holding concentration, deficit and savings rate, cash buffer, and goal funding), surfaced here and ranked by severity.

Flags

The checks run when this tab opens.

Executive summary

Household profile

Income & expenses

Equity compensation

Assets & liabilities

Protection & insurance

Goals & retirement plan

Plan strategies summary

Investment Policy StatementiInvestment Policy Statement (IPS). A one-page statement of target asset allocation, risk tolerance, and rebalancing rules that governs how the portfolio is managed.

Portfolio detail

Fund fact sheetsiLive Morningstar fact sheets need a Morningstar Direct connection, which the demo does not set up. Each proposal position gets a short summary from the proposal entry instead.

Wealth projection

Goal success probability

Goal funding status (PV)iPresent Value (PV) funding status. For each goal, compares the present-value cost of the goal against assets currently earmarked to fund it, shown as a funded percentage.

Achievable lifestyle

Wealth allocation framework

Annual potential wealth

Retirement pensionsiState/occupational pensions and the claiming-age comparison; Swiss residents also get the pillar 2/3a lump-sum tax by canton and the annuity-vs-lump-sum break-even.

What-if scenarios

Capital market assumptionsiCapital Market Assumptions (CMA). The expected-return, volatility, and inflation assumptions used to drive the market simulation for each asset class.

Cash-flow projection

Methodology notes

Glossary of terms

Disclosure profile

Generate Report

Run the simulation first. Projection results, goal success rates, and the cash-flow table are populated when the simulation runs. The preview opens the same content as a styled HTML page; the PDF download renders it as a multi-page document.