What this screen shows
The scenario Assets panel lists every asset from the asset register. For each asset, it shows whether the asset is included in the scenario, the effective growth rate and fee assumptions, and whether any values have been overridden from the register defaults.
FutureClear separates the asset register from scenarios. The asset register is a central list of everything owned: pensions, ISAs, GIAs, cash, property, and income sources. Scenarios pull from this register — assets are selected and assumptions can be overridden per scenario without changing the underlying asset record.
This means the same set of assets can be modelled under different assumptions without duplicating or changing anything in the asset register.
How to read it
Assets displayed with a toggle in the off position are excluded from the simulation entirely. They do not contribute to income, growth, or withdrawals for that scenario, and their values do not appear in the projection.
Assets with overridden values are marked to indicate which assumptions differ from the asset register defaults. The effective growth rate and fee shown are the values the engine uses for this scenario.
Controls
Including and excluding assets
Each asset shows a toggle. By default, all assets are included.
To exclude an asset, toggle it off. Common reasons to exclude an asset:
- Modelling what happens without a specific asset — for example, whether the projection holds without a property sale.
- Isolating the effect of one asset — exclude everything except the SIPP to see what that pot alone produces.
- Comparing projections with and without a one-off income event.
Per-scenario growth rate overrides
The default growth rate for an asset is set in the asset register. In a scenario, a different rate can be set for that scenario only. The underlying asset record is unchanged. For example, a SIPP with a 5% default growth rate can be overridden to 3% in a lower-growth scenario and 7% in a higher-growth scenario.
Per-scenario fee overrides
Annual fee assumptions can be overridden per scenario in the same way. This makes it straightforward to model the effect of switching to a lower-cost provider, or to stress-test the impact of higher charges. A fee difference of 0.2% versus 1.0% on a £300,000 pension over 25 years can amount to tens of thousands of pounds in projected cumulative cost.
Crystallisation percentage (SIPP only)
For SIPP assets, the crystallisation percentage indicates how much of the pension has already been moved into drawdown. This can be adjusted per scenario to model different starting points — for example, if a partial crystallisation is being considered before a specific date.
Hypothetical assets
A hypothetical asset can be added within a scenario — an asset that exists only in that scenario and is not in the main asset register. This is useful for modelling future events such as an expected inheritance, a pension not yet claimed, a future bonus contribution, or a property under consideration for sale.
Hypothetical assets behave identically to registered assets within the scenario. They do not appear in other scenarios unless added there too.
What it does not tell you
The Assets panel does not show the cumulative effect of assumption changes on the projection. To see how a growth rate or fee override affects the overall outcome, open the Results page for the scenario.
The following fields are always drawn from the asset register and cannot be overridden at the scenario level:
- The asset's type (SIPP, ISA, GIA, etc.)
- The asset's ownership (Partner 1, Partner 2, Joint)
- The asset's cost basis (for CGT calculations)
Changes to these fields require editing the asset in the register directly.