Seamless and Secure Portfolio Uploads
Import your Balance or Activity Statement CSV files (available from most platforms), to extract your portfolios and asset allocation. For a fuller asset allocation picture you can add homes, investment property and cash accounts.
- No broker connection, no account numbers, no money movement.
- All data stays in the UK, encrypted in transit and at rest.
- Imported files remain in your browser and only mapped data reaches us.
- Or enter positions by hand – complete control over exactly what reaches us.
- Latest prices and asset class assignments automatically fetched.
- Add Properties and Cash Accounts
- Create up to 10 investment profiles. Update or Delete Entries any time
Portfolio Dashboard
Immediately see how your portfolio is likely to perform across thousands of simulated futures – from optimistic to conservative cases.
- Goal Success probability – the chance your portfolio is able to finance your planned expenses, in real terms
- Monthly cashflow projections showing what you can realistically draw
- Inflation-adjusted portfolio value across the full horizon
- Accounts for savings, property, mortgages, and retirement income
Stress Testing
Know how your portfolio holds up before a crisis hits. Run specified historical scenarios or design your own shock with full control over severity, duration, and timing.
- Built-in scenarios: 2008 Financial Crisis, COVID crash, 1970s stagflation, and more
- Custom shocks: set the drop magnitude, volatility multiplier, and duration
- See stressed vs. base survival probability and portfolio drop
- Estimated recovery year so you know how long the damage lasts
Goal-Aligned Allocation
Specify investment goals and invesmtent preferences. The engine runs through the eligible assets and searches for the weights that aim to meet this goal – accounting for current expected returns, volatility, and how assets move together.
- Choose the objective: probability of funding your goals, long-term real return, or lowest modelled volatility
- Set constraints on minimum and maximum weights per asset
- Adapts across inflation regimes – low, neutral, and high inflation environments
- Side-by-side comparison of key statistics of the goal-aligned vs. your current allocations
Screenshot coming soon
Screenshot coming soon
Portfolio Construction
Build or re-balance portfolios with live simulation and asset class x-ray. The construction wizard lets you split your capital into two sleeves – a gilt ladder sized to your match future expenditure, and a risky portfolio from any chosen asset – then tracks asset class coverage and lets you fine-tune every position before saving.
- Split capital between an index-linked gilt ladder to cover part of your planned spending, and a growth portfolio, in one step. Gilts are issued by the UK government, which has never defaulted on a gilt, though that is not a guarantee of future performance. The market price can go up or down, but unless the UK Government defaults the gilt will deliver the promised cashflow at maturity.
- Gilt ladder sized against your projected liability schedule – configured by you.
- Pick assets from every UK- and US-listed instrument supplied by EODHD plus every UK gilt in issue – not selected, screened or endorsed by Allocatewise – mapped against your chosen asset classes and the generated weights
- Per-asset weight editor with live generated bands and current portfolio comparison
- Lifetime projection updates as you adjust the risk split, so the simulaition results are always visible
Your data stays yours
Allocatewise works with the minimum information needed to run your simulation – tickers, weights, and goals. We don't connect to your brokerage, store account numbers, or handle any payment data beyond what Stripe processes independently on your behalf.
- Only tickers and allocation weights are stored – no account numbers or balances tied to real accounts
- No open-banking or brokerage OAuth connections – you enter what you choose to enter
- Authentication managed by Firebase Auth – Allocatewise never stores your password
- GDPR-compliant data retention with automatic deletion of inactive accounts
No bank credentials
We never ask for your bank login, brokerage password, or account numbers.
No financial data sold
Your portfolio inputs are never sold, shared with third parties, or used for advertising.
Encrypted everywhere
All traffic is encrypted in transit via HTTPS/TLS. Data at rest is encrypted by Google Cloud.
You control your data
Delete your account and all associated data at any time from within the app.
See it for yourself
Create a free account, import your holdings, and get your first simulation in minutes.
Not regulated by the FCA. Not financial advice. Projections do not reflect your personal tax position.