Test portfolios containing:
“Solve For” tool**
The Big Picture is an application for wealth and retirement planning. It allows financial advisors to back-test retirement portfolios over hundreds of historical periods, and answer questions like:Based on history...
The following eleven total-return indices are currently available with a “Premium” subscription. Each index begins in 1926 and is monthly in frequency. Data are updated quarterly via an automatic feed.
Yes. Both our Core and Premium plans allow you to upload your logo.
The Big Picture app is grounded in the methodology used by William Bengen in his seminal 1990s research (later replicated by the Trinity Study and others). Namely, it assumes constant inflation-adjusted distributions throughout retirement.
But, don’t retirees’ spending patterns evolve as they age? And, what if portfolio values rise or fall significantly after retirement begins?
No. For two reasons:
First, your clients’ names, ages, investment holdings, and other personal details constitute highly sensitive data. This information should be confined to software that offers bank level security. A data breach, such as this one from Redtail, could be ruinous to your clients’ financial lives—and to your advisory business. While it can be convenient to view client data across platforms, we believe that the risks outweigh the benefits.
Quite simply, reliable market data do not exist prior to 1926. Retirement plans built on the basis of figures that pre-date this point in history are, in our view, unsound.