Insight helps provide a full picture of investment prospects in a format that's easy to apply – even in complex situations. It makes sure investment decisions are based on a strong foundation of understanding.
Good forecasting solutions are hard to find. Many investors are forced to rely on over-extended models, stale averages and misleading assumptions about key investments.
Insight is different.
From the start, we designed Insight to model investors' financial outcomes – whether that's saving for retirement or managing income withdrawal from assets.
Insight's forecasts:
Building a successful asset model required a large investment of time and resources - and stretched the boundaries of what could be done with computers and financial modelling. As a result, our cutting-edge model is:
Insight is delivered as a set of scenarios which together show the range and average outcome that history, market conditions and careful modelling lead us to expect.
Each scenario represents a coherent and realistic path for asset prices, income flows, interest, inflation and exchange rates. This makes it straightforward to work out what could happen to an investment plan along the journey as well as at the end. The journey is particularly important when considering:
Additionally, Insight is robust and sensitive enough that we use it for managing dynamic asset allocations for model portfolios and mutual funds.
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“Data Protection Law” means the Data Protection Act 1998 until and including 24th May 2018, and with effect from 25th May 2018 the General Data Protection Regulation 2016 ((EU) 2016/679) and in each case any successor or delegated legislation and any national implementing laws, regulations and secondary legislation, as amended or updated from time to time, in the UK, including where applicable the guidance and codes of practice issued by the Information Commissioner, the Financial Conduct Authority, the Article 29 Working Party or relevant supervisory authority from time to time; and all applicable Law in any jurisdiction relating to the processing or protection of personal data and privacy, including where applicable, the guidance and codes of practice issued by the Information Commissioner, the Financial Conduct Authority, the Article 29 Working Party or relevant supervisory authority from time to time
This privacy policy sets out how we, EValue Limited (‘EValue’, ‘we’, ‘us’, ‘our’) will use any personal information that we collect from you, or that you provide to us, via this website (together, “personal data”). We are the ‘Data Controller’ for EValue Limited as defined under Data Protection Law and we will process your data in accordance with Data Protection Law. The purpose of this privacy policy is to inform you as a user of this website about what information we collect when you visit the service, how we use the information, whether the information is disclosed and the ways in which we protect users' privacy.
We want you to feel secure when using the website and associated services. We are committed to respecting your privacy. This is an overview of the data we collect:
IP address and the website you came from.
Includes your first name, last name, email address and postcode.
Uses navigation data in services provided by EValue and third parties. For more information see our cookie policy.
Uses navigation data and personal information to enable us to tailor the services provided to you.
We may need to share personal information with trusted third parties to enable us to provide the service to you. We may also need to share your personal data with the Financial Conduct Authority, the Information Commissioner's Office or other relevant regulator in order to demonstrate that we are complying with our regulatory requirements and Data Protection Law relating to the secure processing of your personal data. Navigation data is also shared with trusted third parties to enable us to improve the service to you.
We analyse information to see what is most effective about our website and associated services to help us identify ways to improve it and to make it more effective. We may also use information for other purposes, which we would describe to you at the point when we collect the information.
If we decide to change the Privacy Policy, we will post these changes on this page so that you are always aware of the information we collect, how we use it and under what circumstances it is disclosed.
When you use the EValue website, we use technology to collect information indirectly – such as your internet address. This is commonplace across all internet services to enable the investigation of issues such as malicious use. This information is then kept in our internet access logs.
We collect information directly from you in a number of ways. One way is by using cookies. Cookies are small files of information that save and retrieve information about your visit to our site, such as how you entered our site, how you navigated through the site and what information was of interest to you. This information is collected for a number of reasons, for example, to help develop the website and associated services.
The cookies we use identify you merely as a number. If you are uncomfortable about the use of cookies, you can disable them by changing the settings in the preferences or options menu in your internet browser. However, disabling cookies may affect our ability to provide services to you; if certain cookies are disabled you may not be able to access the functionality of the site.
See our cookie policy for more information on the cookies we use.
We also collect information when you give it to us. It is completely up to you whether you provide it, but not providing information may affect our ability to provide services to you. We will use your personal data to answer your request, for example to answer your questions. In addition, personal data may be used for management information and research. We may disclose information to our group companies and service providers for these purposes.
Information gathered by us includes the user's IP address, the web page a tool is accessed from, and how many times it is accessed. In some cases, tracking is used to show user journeys through a tool. This information is the sole property of EValue and may be shared with trusted third parties for the purposes of improving our service to you. All EValue tools store the number of times a user has visited the tool. Some tools also store ‘state’ information so that when a user returns to a tool it is in the ‘state’ they left it.
We will hold your personal data, for as long as we are required to do so under applicable law.
We do not share your personal data with other organisations unless the law permits us to do so. We do not sell individuals' information. We will share it only with our authorised Data Processors (as defined under Data Protection Law), who must act at all times on our instructions as the Data Controller under the Data Protection Act 1998. We use a third party hosting provider, The Bunker Limited, in the UK to host our software and the personal data that is stored on the software.
You are entitled to know whether we hold information about you and, if we do, to have access to that information and require it to be corrected if it is inaccurate.
You can do this by contacting Data Protection Officer, EValue Limited, Benyon House, Newbury Business Park, London Road, Newbury RG14 2PZ.
We take appropriate steps to maintain the security of your data on our service. The open nature of the internet means that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. Our intention is that this should not happen and we take measures to ensure that it does not. However, we cannot guarantee the security of any information transmitted via the internet and cannot be held responsible for any damages you, or others, may suffer as a result of the loss of confidentiality or such information.
All changes to this Privacy Policy will be posted here. Please visit this page regularly to stay up to date. This policy was last amended on 1st February 2018.
A cookie is a little text file composed of alphanumeric characters, which is created on your computer when your browser accesses a website that uses cookies. These cookies are used to help your browser navigate our website and fully use all its features like interacting with the website or viewing videos.
When someone visits our website we collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of our website. We collect this information in a way which does not identify anyone.
We use Google Analytics to help analyse use of our website. This analytical tool uses ‘cookies’, which are text files placed on your computer, to collect standard internet log information and visitor behaviour information in an anonymous form. The information generated by the cookie about your use of the website (including your IP address) is transmitted to Google. This information is then used to evaluate visitors’ use of the website and to compile statistical reports on website activity.
We will not (and will not allow any third party) to use the statistical analytics tool to track or to collect any personally identifiable information of visitors to our site. We will not associate any data gathered from this site with any personally identifying information from any source as part of our use of the Google statistical analytics tool. Google will not associate your IP address with any other data held by Google. Neither we nor Google will link, or seek to link, an IP address with the identity of a computer user.
To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.
Cookies are also used for social media interactions on our website. There may be times when you may wish to use social media in order to make other people who use social networking sites aware of various information which may be contained on our website. The information on these social media cookies help keep a track of what information you have shared out on your chosen social media site.
Our site contains videos which promote our products, these videos are hosted on YouTube. YouTube places cookies on your computer in order to analyse which videos have been viewed by yourselves.
For more information about cookies including how to disable them via your web browser please visit www.allaboutcookies.org or ico.org.uk.
If we do want to collect personally identifiable information through our website, we will be upfront about this. We will make it clear when we collect personal information and will explain what we intend to do with it.
If you have a query or complaint about our policy on cookies or about the site, please contact us.
This Acceptable Use Policy is incorporated by reference into the Customer's Agreement with EValue. It governs how the Customer (on its own behalf and on behalf of its group companies) and (where appropriate) the Customer User Community, sub-licensees, anyone accessing EValue's products or services with the Customer's permission, or as a result of the Customer assisting another person in an activity that would violate this AUP if performed by the Customer.
EValue Limited (“EValue”) is the UK's market leader in the provision of digital, personal finance advice products and services. These products combine expert actuarial knowledge, pioneering asset modelling and risk management. Primarily they are used in the UK by banks, product providers, advisers and employers (“Third Parties”) to enable them and their customers/employees to understand and make complex, individual, personal financial decisions.
EValue's software solutions cover all financial planning needs with versions for use by consumers and advisers. What's more, because all EValue's products are built on a single Planning & Advice Engine, all versions of our tools are entirely compatible, enabling both advisers and consumers to work together on financial plans.
EValue is committed to ensuring a high standard of ethical and environmental trade practices. The ethical and environmental code of conduct (“Code”) outlines EValue's approach on conducting business honestly and with integrity.
The Code defines a minimum standard of requirement for all Third Parties and its employees to respect and adhere to when conducting business with EValue. The Code aids the continued implementation of EValue's commitment to its responsibility to disseminate, educate and exercise diligence in verifying compliance with its Third Parties and its employees. If the Third Parties do not comply with the Code, EValue will take necessary steps to review the contract which may lead to termination. The Code sets forth EValue's expectations of its Third Parties and employees which is divided into four essential areas of business.
Economic sustainability within EValue is used to define strategies that promote the allocation and utilization of resources in the most efficient, fair and responsible way providing long term benefits for the company. This area focuses on attaining economic benefit for employees, communities and investors therefore:
Social sustainability focuses on EValue having an obligation to act ethically and with sensitivity towards social, cultural, economic and environmental issues for the benefit of its company employees and Third Parties. EValue is committed to improving human rights hence:
Technological sustainability focuses on EValue implementing sustainability with reuse and recycling, energy efficiencies, reduction in pollution, minimizing long term impact on the environment and providing adequate security levels against data loss hence:
Environmental sustainability focuses on EValue making responsible decisions that will reduce or eradicate the negative impact on the environment in which they operate hence: