The analytics behind the proposal

Wealth Analytica's portfolio analysis engine models client portfolios against the live Morningstar universe — funds, OEICs, investment trusts, ETFs and single equities. We look through fund holdings to compute real asset allocation, sector exposure and risk metrics. The data refreshes intraday for prices and daily for fund-level analytics. Holdings come straight from your Intelliflo OAuth integration, so the analytics always reflect what the client actually owns.

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The data behind the dashboard

Most analytics tools you've used run on a fund universe that's measured in tens of thousands. Ours is 350,000+ instruments — every UK retail fund, every UK and international ETF, every investment trust, plus single equities across 70 global exchanges. The Morningstar feed is live: NAVs settle by end of business; prices on listed instruments refresh intraday. You're not modelling a portfolio against last Friday's data on a Tuesday afternoon.

And we look through. When a client holds a multi-asset fund, the analytics decompose it to the underlying positions — the actual constituent holdings, not the fund's stated style. That's a quietly important detail. Two Defensive funds with the same Morningstar style box can have wildly different real allocations. The look-through view shows you which is which and how that interacts with the rest of the portfolio you're constructing.

What you can do with it

• Compare portfolios. Side-by-side allocation, performance, risk and cost. Build a "current" against a "proposed" view and the deltas surface automatically.
• Stress test. Drop a 2008-style equity drawdown or a 2022-style fixed-income shock onto the portfolio. See what happens to allocation, drawdown and recovery.
• Map to client objectives. Tie the modelled portfolio back to the risk and capacity-for-loss scores from the risk assessment stage. The suitability narrative writes itself.
• Build branded reports. Export a 6-page summary or a 20-page proposal in your firm's colours and logo, with the analytics rendered as charts your clients can actually parse.
• Save anonymously or against the client. Run "what-if" portfolios without touching the client record. Save them as models and reuse across your book.

Live Intelliflo, not yesterday's export

If your firm runs on Intelliflo, the portfolio you see in Wealth Analytica is the portfolio the client owns at end-of-day. Holdings sync overnight via OAuth — you grant the read connection once, and from then on the analytics stay current. No CSV exports, no end-of-quarter rebuild, no paraplanner spending Friday afternoon reconciling.

Not on Intelliflo? You can upload a clean CSV at portfolio level or build a portfolio from scratch in the platform. The look-through and Morningstar data still apply. Intelliflo just removes the upload step for the firms who already pay for it.

Methodology — what's behind every number

Returns are time-weighted, computed from total-return prices with dividends reinvested. Risk metrics use rolling 36-month windows where the data supports it; where a fund is too new for a clean 36-month series, we show a confidence flag rather than extrapolating to a number that looks more solid than it is. Asset allocation uses Morningstar's look-through dataset where available. ESG scores come from Morningstar Sustainalytics. Every analytic has a source and a refresh cadence — the full set lives on our methodology page.

Where this fits the pipeline

Portfolio analysis is the middle of the lead-to-proposal pipeline. It pulls from the digital fact-find (the client objectives, the timescale, the constraints) and feeds the proposal builder (the analytics, the narrative, the branded report). Used standalone it's a better analytics tool than most. Used as part of the pipeline it's the bit of the workflow where the platform earns its keep.

How we compare

Most UK IFA firms reading this page already pay for analytics from FE Analytics, FE fundinfo or Morningstar Adviser Workstation. We've written an honest comparison against the market leader at Wealth Analytica vs FE — including where FE leads and where we do.