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Professionals that give investment advice can benefit from using InvestmentPlan for their clients

If you agree that investment advice for the majority of people involves determining the appropriate diversified asset portfolio, that meets the investors goals, including retirement needs, and fits with their risk profile, then InvestmentPlan is a software product that can help you.

InvestmentPlan was designed to provide tools to assist the financial planning process, either for individual investors to use, or for advisors to use with their clients.

The functionality which separates InvestmentPlan from other products, is the comprehensive risk profiling and portfolio asset allocation tools, which quickly and simply show the impact of portfolio changes, and how the portfolio matches the risk profile.

Investors risk profiling is built around the fact that investors will consider the risk differently based on the value they have at risk, and that their risk profile can be separated into Attitude, History, Knowledge, and Tolerance.

Determining the Assets risk is built around the fact that investment assets have a risk that can be better quantified by breaking the risk into components.

  • Asset Categories are given a Risk Rating, a Market Risk Factor to allow for the current market risk, and a 3rd rating to cover Other influences. Assets are allocated to the Asset Categories and are also given their own Risk Factor rating along with the percentage of the Asset considered at risk.
  • An Assets standard deviation and coefficient of variation can be calculated to assist determining asset risk.
    • SD (Standard Deviation) is a statistic used to measure the dispersion (variation) of returns around an assets average return. (The smaller the value, the less variation)
    • CV (Coefficient of Variation) is a statistic used to measure the relative dispersion of an asset's return. It is useful in comparing the risk of assets with differing average returns. (The smaller the value, the less variation)

The "Pro" version of InvestmentPlan includes the same base functionality as the home version, but has been designed for Investment Advisors, so has further features. This additional functionality allows the Advisors to customise InvestmentPlan to reflect how they wish to use InvestmentPlan for their clients.

Risk Profiling - Questionnaire (click to go to snapshot of form/window)

  • Simple to use form/window for Investors answering questionnaire.
  • Questions and answers which can be modified to suit the advisors client base.
  • Answers can be given a ranking (which the Investor does not see) to weight the importance of the answers to the overall result.
  • Questions belong to categories of; Risk Attitude, Risk History, Risk Knowledge
  • Answers to be given to a range of Portfolio Values the investor has at risk.
  • Automated process of calculating the Risk History rating from the Investors Assets and combining with the questionnaire results.

Portfolio Profile Asset Allocation (click to go to snapshot of form/window)

  • Good at showing the impact of different portfolio allocations, over time, on the Investors value they are investing.
  • Calculates the Portfolio; Allocation Return, Target Return, Risk Rating, and percentage at risk
  • Compares the Portfolio risk rating with the Investors risk profile ratings.
  • Asset Category and Allocation in the Portfolios is fully customizable.

Portfolio Asset Allocation (click to go to snapshot of form/window)

  • Compare the investors assets against the selected portfolio.
  • Shows the impact of adding a new asset to the portfolio.

Portfolio Risk Analysis (click to go to snapshot of form/window)

  • Analyses whether the investors investment portfolio matches their risk profile. Risk tolerance is calculated from a number of variables such as income and assets.
  • New Assets can be evaluated to see the impact on the portfolio risk rating.

Foreign Exchange impact on investments (click to go to snapshot of form/window)

  • Analyses whether the investors investment portfolio matches their risk profile. Risk tolerance is calculated from a number of variables such as income and assets.

Click to go to Product overview page, which gives a overview of all the functionality.

The following snapshots show the forms/windows for the functions discussed above, please click to see more snapshots.

Risk Profiling - Questionnaire - window/form snapshot

Portfolio Profile Asset Allocation - window/form snapshot

Portfolio Asset Allocation - window/form snapshot

Portfolio Risk Analysis - window/form snapshot

Foreign Exchange impact on investments - window/form snapshot (Note: background colour can be customised by the user)

 

 

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