Allocatewise is a financial planning platform that helps individuals stress-test their retirement and investment strategies using institutional-grade simulation tools. It aggregates pensions, investments, property, and savings to calculate the probability of reaching financial goals across up to 1,000 market scenarios, then builds goal-aligned asset allocations. The platform also lets users construct and test portfolios from every UK- and US-listed stock, ETF, and bond, including all UK gilts in issue.
Funding
Funding not disclosed
Founders
Product
Problem
Individual investors often lack access to the sophisticated modelling and simulation tools that pension funds, banks, and insurers use to plan long-term financial outcomes. Standard retirement calculators rely on simple assumptions and fail to account for market volatility, inflation, or the impact of concentrated exposures, leaving people uncertain about whether their savings will actually fund their goals.
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. Users set retirement dates, monthly spending needs, and savings rates, and the platform runs up to 1,000 market simulations to calculate the probability of reaching those goals. The system then searches for an asset allocation designed to improve that probability across different market regimes, using recent market data. Users can build sample portfolios from every UK- and US-listed stock, ETF, and bond supplied by the market data provider, plus all UK gilts in issue, and stress-test them against historical crises like 2008, COVID, or stagflation, or custom scenarios. 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
- Monte Carlo simulation engine that runs up to 1,000 market scenarios to calculate goal achievement probability
- Goal-aligned allocation optimizer that searches for portfolios designed to improve retirement income, property purchase, and savings milestone outcomes
- Stress-testing module that simulates portfolio performance through historical crises (2008, COVID, stagflation) and custom scenarios
- Full instrument coverage including every UK- and US-listed stock, ETF, and bond from the EODHD data feed, plus all UK gilts priced from Bank of England yield curves
- 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