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Frequently Asked Questions
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Knowledge Base
EVPro
EVPro
General
Risk
Invest
Goal
Solver
Review
User Guides
Video
Risk Profiler
Frequently Asked Questions
EV Income Risk Profiler
EV Growth Risk Profiler
APIs
Frequently Asked Questions
EVPro
EVPro delivers a holistic range of risk suitability, cashflow planning, and client review tools designed to explain your clients’ risk easily.
General
How do you add cash to model portfolios?
Will there be gender options beyond M/F?
How are the values reported for expenses?
Why can’t I adjust the assumptions for the forecasts?
How are updates to tax and other regulations taken into account?
How do I know that the forecasts are realistic?
How do the calculations work?
What is Stochastic Modelling?
How are the stochastic assumptions created?
Can data be pre-populated through the IRESS XPLAN?
Where does the fund data come from?
What accessibility requirements does EVPro conform to?
Which browsers and devices do EV support?
What screen sizes does EVPro work with?
How are the low and high estimate ages for mortality calculated?
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Risk
I've created a link for the questionnaire for my client to fill in but I need to change the questions included. How do I make sure the link is using the right selection?
Can the risk profiler be used as a paper version?
Do the answers for Knowledge and Experience default when conducting a review?
Why are the nearest risk scores chosen, not the whole number?
What impact does the answer choice ‘in between’ have within the risk questionnaire?
How quickly do you factor major market events into your quarterly updates?
Can you map ESG results onto particular funds/risk levels?
How do you consider State Pension within cashflow analysis?
How is a client's capacity for loss included in the tolerance to risk questionnaire?
What was the process to build the ESG questionnaire?
What’s the simplest way to risk rate specific cases provided by an adviser?
Is the Knowledge and Experience section regularly reviewed, or just completed at outset?
Does the behavioural section impact the ATRQ output?
How do we take into account ethical investing?
Why is ESG not included in the risk profile score?
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Invest
What are the asset classes I can pick from when creating manual funds?
Where do the asset allocations for funds come from?
Can I edit the reports?
Why is my fund risk rating is shown as a question mark “?” symbol and not a number
The fund fact sheet is showing as not available, why is it?
The fund allocations shown don’t look correct, how do I change these?
How is the efficient frontier graph plotted?
What is the gross annual mean return?
Do I enter a gross or net amount for the regular investment into pensions?
What is the “Percentage loss in 1 year” figure showing?
What do the figures mean under the forecast chart?
Why do the risk ratings depend on the investment term?
What terms do you use for your risk benchmarks?
What term is used to calculate the risk ratings?
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Goal
Does the end date for employee and employer pension contributions automatically change if I change the end date for my earned income?
What are the advice assumptions used for Class 2 National Insurance?
What is the tax order used by EVPro ?
How do I add a Career Average Scheme?
How is the dividend allowance assumed to increase?
Why can't I put in more than one earned income or self-employed income?
Why is the mortgage not fully paid off at the end of the term as I expected?
Why does using a defined benefit income type show slightly more income over time than the equivalent use of "Other income"?
How are increases to tax bands applied?
What is the Pension assets withdrawal order?
What is the withdrawals order from non-pension assets held both singly and jointly?
How is the mortality event age calculated?
What is the maximum length of a life plan?
I’ve added a couple (Husband and Wife) to the tool. Looking at the Events they both appear to be retiring on the same day, even though their ages are a few years apart, why is this?
How should I record previously crystallised pensions?
Where do I set the Pension Commencement Lump Sum that I wish to take if I am buying an annuity?
Can I change the date that the client might take their Pension Commencement Lump Sum?
I’ve just edited the client’s date of birth, as when I was looking at the Plan overview, I realised it was entered incorrectly. Do I need to do anything else?
How is “Essentials met in the worst year” calculated?
If a Unit Trust/OEIC/GIA is encashed to meet expenditure in a particular year, how is the gain taxed?
If an onshore/offshore bond is partially encashed to meet expenditure in a particular year, how is the investment taxed?
What happens if I add further assets after I have changed my preference for a withdrawal order?
At what point in the year are the assets valued?
Does EVPro take into account product limits?
When do EV forecasts start from?
How is the “Essential current asset adequacy” calculated?
Why do my results in the Plan overview graph differ from the metric results at the top?
Which assets are included when calculating the asset adequacy metric?
When is the Pension Commencement Lump Sum assumed to be paid in the year?
How is the "Year money runs out" calculated?
What is the period over which the income and expenses are paid based on the stop date and end date?
What is the timing of the payments in the cash flow?
What happens if my expenses and contributions are greater than my income?
What happens to my Defined Benefit pension scheme when my retirement age is not a whole year, i.e. 62.5?
How is tax relief calculated on pension contributions if you have no earnings?
How is the “Chance of paying LTA tax” calculated?
How is “Essential expenses covered for plan” calculated?
How are “All expenses covered for plan” calculated?
What is assumed when I add the action “Invest a windfall”?
How long are contributions assumed to be made for?
What rate of increase is assumed on contributions?
In preferences, if I set the surplus to “Spend surplus money”, what is assumed?
What’s the default order of withdrawals?
How is the default state pension amount calculated?
Are the actions that I have set up shown anywhere else in the tool?
In preferences, if I set the surplus to “Save surplus money” what is assumed?
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Solver
Does the Fund Allocation Solver take into account contributions?
Why can the event solver create a slightly different result when I drag the dates manually on the event chart?
What is the regular investment cap?
How do the stress tests work?
How is the “Event solver” calculated?
What percentage likelihood is required in order for the 'Essentials covered for plan' metric to turn green on the plan overview chart?
How is the “Regular investment solver” calculated?
Can you use Solver for multiple Events?
Other than CPI and None, can you select different increase rates within Solver?
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Review
What is the On Target / Off Target dropdown?
When does the 'Date last reviewed' relate to?
What does EVPro Review do?
User Guides
EVPro Settings Tool Guide
Video
What are ‘Preferences’ and how to add them within EVPro Goal
Understanding Plan overview within EVPro Goal
What are Actions and how to add them within EVPro Goal
How to create a revised plan within EVPro Goal
How to add Income within EVPro Goal
How to add Expenses within EVPro Goal
How to add Debts within EVPro Goal
Introduction to EVPro Goal
Entering used Lifetime Allowance (LTA) within EVPro Goal - Tax section
How to add Events within EVPro Goal
How to risk map your existing advice proposition into EVPro
How to use an EV risk benchmark and align it with your existing advice proposition
EVPro Risk: Guide to Sustainable Investing (ESG Preferences)
EVPro Risk: Guide to Knowledge and Experience
Introduction to EVPro Risk
EVPro Risk: Guide to Capacity for Loss
EVPro Risk: Guide to Attitude to Risk
How to create a revised plan
How to create and edit new clients
How to understand risk analyis
How to add or amend assets
How to create a report
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