Allocatewise
Allocatewise is a financial planning platform that lets individual investors aggregate pensions, investments, and property to stress-test their retirement plans against up to 1,000 market scenarios. The platform projects all figures in real terms, runs Monte Carlo simulations to show the probability of reaching goals, and offers thematic exposure analysis to quantify concentration in sectors like AI.
- Financial Technology
- Data & Analytics
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Individual investors lack the analytical tools used by pension funds and banks to assess whether their retirement plans are on track, leaving them with fragmented pots and rough targets. Traditional planning methods mix nominal and real figures, ignore goal dates, and fail to stress-test against pessimistic scenarios, making it impossible to answer "am I on track?" with confidence.
Solution
Allocatewise provides a data-driven financial planning platform that lets individuals aggregate their pension pots, investment accounts, property, and future savings in one place. The platform projects everything in real terms, applies consistent inflation and tax assumptions, and runs Monte Carlo simulations to show the probability of reaching each goal across a range of market outcomes. Users can test "what if" scenarios—like saving less, living longer, or a market crash—and see the impact on their plan. The platform also offers tools to measure portfolio exposure to specific themes, such as AI stocks, by applying consistent definitions across all holdings.
Target Audience
Primary users are individual investors and DIY retirement planners in the UK who want institutional-grade analytical rigour for personal financial planning, including those with significant pension pots, investment portfolios, or property holdings.
Features
- Portfolio aggregation via CSV upload, activity statement import, or manual entry across pensions, investments, and property
- Thematic exposure analysis that applies consistent definitions to quantify concentration in sectors like AI across all holdings
- Monte Carlo simulation engine that runs up to 1,000 market scenarios to produce a probability of goal achievement, not a single-line forecast
- Real-terms projection that converts all future values to today's money using inflation assumptions, with a built-in index-linked gilt benchmark option
- Goal-based planning with specific dates and amounts, allowing users to model house deposits, school fees, and retirement spending separately
- Scenario testing for changes in contribution levels, market performance, and longevity, with results shown as a probability range
- Stress testing against named historical crises (2008, COVID, stagflation) or custom user-defined shocks, showing portfolio value through the shock and recovery paths
- Goal-aligned allocation builder that searches for allocations designed to improve the probability of funding retirement income and planned expenses across different market regimes
- Access to every UK- and US-listed stock, ETF and bond plus every UK gilt in issue for building and testing sample portfolios