Overview
Version information
Version 1.0.0
Contact information
Contact: EValue Support - support@ev.uk
URI scheme
Schemes: HTTP, HTTPS
Consumes
application/json
Produces
application/json
Paths
/forecastInvestment/forecast
Description
Investment Planner shows the benefits of investing based on a specific set of funds and/or asset classes. The Investment Forecast API generates a simple stochastic forecast based on an initial sum, regular contributions to, or withdrawals from, the investment, any initial, tiered and ongoing annual charges, taxation basis, term of investment and the funds or assets that the money is invested in. The API also requires the call to specify whether the results should be in today's or future values and which percentiles are required in the response, i.e. there is a 50% chance of the investment fund being less than x after the given term. Further detail on each of the above areas can be found in the Definitions section below. Please refer to the Pricing Plan and the Credits Plan for the number of credits required to call this API.
Parameters
Responses
Definitions
Request
Please note that only the following Definitions will be used when calculating the Result of this API call. Any other data submitted will not be validated or used in the calculation.
InvestmentForecastParameters
Name |
Description |
Schema |
Required |
Range |
contributions |
The regular contributions to be added to the investment |
Contributions |
|
|
withdrawals |
Regular withdrawals to be made from the investment |
Withdrawals |
|
|
initialCharges |
The charges to be applied to the initial investment amounts |
InitialCharges |
|
|
annualCharges |
The charges to be applied to the fund on an ongoing basis |
AnnualCharges |
|
|
accumulationTaxationBasis |
Choice of taxation basis for investment: either no tax adjustment or apply a 0.5% deduction to allow for taxation, in line with FCA rules |
Enum - NONE, FCA_TAXED |
true |
|
funds |
The funds that will be used in the investment projections |
List of Fund |
true |
|
forecastOptions |
The options available for the investment projections |
ForecastOptions |
true |
|
Contributions
Name |
Description |
Schema |
Required |
Range |
amount |
Regular contribution to be included in the forecast |
Double |
true |
|
frequency |
Frequency of regular monetary amount contributions |
Enum - WEEKLY, MONTHLY, QUARTERLY, ANNUALLY |
true |
|
increase |
Increase to apply to pound-amount regular contributions (Increase applied annually). If an increase is required for percentage contributions then please use the salary increase |
Increase |
|
|
Increase
Name |
Description |
Schema |
Required |
Range |
basis |
The underlying index to base the increase on. This can be one of NONE, RPI, CPI or AWE (average weekly earnings) |
Enum - NONE, RPI, CPI, AWE |
|
|
rate |
An additional rate of increase to apply each year on top of the increase basis. For a fixed increase rate basis should be set to NONE and rate to the fixed increase (i.e. basis = NONE, rate = 2.5 would use fixed 2.5% increases each year) |
Double |
|
-100 to 100 |
Withdrawals
Name |
Description |
Schema |
Required |
Range |
percentage |
A boolean entry to determine if the withdrawals made from the investment should be a pound amount (false) or a percentage of the fund (true) |
Boolean |
true |
|
amount |
The amount to withdraw from the fund on an annual basis. If percentage has been specified, then the amount should release to the annual percentage required e.g. 2.5 for 2.5% per annum |
Double |
true |
|
increase |
Increase to apply to regular withdrawals. (Increase applied annually.) |
Increase |
|
|
startDate |
The date you would like the withdrawal from assets to start |
String (date) |
|
|
InitialCharges
Name |
Description |
Schema |
Required |
Range |
percentage |
Initial charge applied to the starting balance (as % of balance) |
Double |
|
0 to 100 |
amount |
Initial charge applied to the starting balance (in pound amount terms) |
Double |
|
0 to 99,999 |
contributionPercentage |
Initial charge applied to any future contributions upon deposit (as % of contribution) |
Double |
|
0 to 100 |
AnnualCharges
Name |
Description |
Schema |
Required |
Range |
amount |
Annual pound amount charge. |
Double |
|
0 to 99,999 |
tieredCharges |
Charges to apply at different tiers. Please provide these tiers in order from smallest to largest upperLimit. |
List of TieredCharge |
|
|
TieredCharge
Name |
Description |
Schema |
Required |
Range |
percentage |
Annual % pa charge to apply to product (excluding fund charge) |
Double |
|
0 to 100 |
upperLimit |
Balance up to which to apply the annual % charge specificied. If excluded, assume charge applies to whole balance |
Double |
|
0 to 999,999,999 |
Fund
Name |
Description |
Schema |
Required |
Range |
code |
Enter fund code for forecast. Use Citicode or asset class - see documentation for further information on asset class codes. |
String |
true |
|
riskGroup |
User's risk benchmark to which their investment can be evaluated |
Integer |
|
|
riskTerm |
Evaluated term for the efficient risk profile. Required if riskGroup is set. |
Integer |
|
0 to 75 |
balance |
Balance in this fund |
Double |
true |
-999,999,999 to 999,999,999 |
contributionPercentage |
Contribution percentage allocated to that fund. |
Double |
true |
-100 to 200 |
adjustment |
Fund charge to apply to this fund. Enter charges as positive value, e.g. 1.5 for a 1.5% pa fund charge. |
Double |
|
-99 to 99 |
portfolioFunds |
A portfolio of funds. |
List of PortfolioFund |
|
|
PortfolioFund
Name |
Description |
Schema |
Required |
Range |
code |
Enter fund code for forecast. Use Citicode or asset class - see documentation for further information on asset class codes. |
String |
true |
|
contributionPercentage |
Contribution percentage allocated to that fund. |
Double |
true |
-100 to 200 |
ForecastOptions
Name |
Description |
Schema |
Required |
Range |
terms |
Terms for which to return a result, between 0 and 75 years |
List of Integer |
true |
|
todaysPrices |
True will return real results in today's values (i.e. values that have been adjusted to allow for inflation), and false will return nominal results in future values |
Boolean |
true |
|
todaysPricesIndex |
Index to use for discounting purposes if today's prices has been selected (i.e. the inflation measure used to roll back asset values in order to display 'real' results). This could be RPI or CPI and does not affect any of the increases specified elsewhere. If not included, a default of RPI will be used |
Enum - NONE, RPI, CPI, AWE |
|
|
percentiles |
Percentiles for which to return a result. The lowest result would be 0; the highest 100 |
List of Integer |
true |
|
Response
ForecastResult
Name |
Description |
Schema |
results |
A list of results for each percentile requested in the API input parameters. |
List of PercentileResult |
PercentileResult
Name |
Description |
Schema |
percentile |
The percentile the results relate to |
Integer |
terms |
A list of results for each term requested in the API input parameters |
List of TermResult |
TermResult
Name |
Description |
Schema |
value |
The relevant term's total value held; the tax basis for this will be dependant upon the API input |
Double |
term |
The term of this forecast result |
Integer |
ValidationErrors
Name |
Description |
Schema |
errors |
A list of errors from validating the API input parameters |
List of ValidationError |
ValidationError
Name |
Description |
Schema |
field |
The field that is invalid |
String |
code |
The type of validation error that has occurred |
Enum - REQUIRED, OUT_OF_RANGE, INVALID, INVALID_TOTAL |
message |
The validation error message |
String |
value |
The value that is invalid |
String |
SystemError
Name |
Description |
Schema |
systemError |
The system error message. |
String |
Asset Classes
Where fund codes are required as input, you can instead refer to asset classes. See list of codes you can use for assets below.
Code |
Description |
Returns_File_Cash |
Cash |
Returns_File_Government_Bonds |
UK Government Bonds |
Returns_File_Index_Linked_Bonds |
UK Index Linked Bonds |
Returns_File_Corporate_Bonds_Inv_Grade |
Corporate Bonds - Investment Grade |
Returns_File_Corporate_Bonds_High_Yield |
Global High Yield Bonds |
Returns_File_Global_government_bonds |
Global Bonds |
Returns_File_UK_Equity |
UK Equity |
Returns_File_US_Equity |
US Equity |
Returns_File_Europe_Equity |
European Equity |
Returns_File_Japan_Equity |
Japanese Equity |
Returns_File_Asia_ex_Japan_Equity |
Asia ex Japan Equity |
Returns_File_Global_Emerging_Market_Equity |
Emerging Markets Equity |
Returns_File_Small_cap_UK |
UK Small Cap Equity |
Returns_File_Property |
UK Property |
Returns_File_International_property |
International Property |
Returns_File_Alpha_Strategies |
Alternative Investments |
Returns_File_Commodities |
Commodities |
Returns_File_Inflation |
Price Inflation |
Returns_File_Nil_return |
Nil return |