Fully Expressive Exec Input Document
The web service will initially expose an endpoint for model invocation at a URL of the form:
- https://test.riseapi.net/frmws/ism/v1/exec (development)
- https://www.riseapi.net/frmws/ism/v1/exec (production)
Note that web service requests to the exec endpoint should use the POST HTTP/S method, with the data payload populated with a JSON expression of the inputs. The client request should assign a MIME content-type of application/json to the POST, and ensure the same MIME type is included in the Accept header.
As an example, a fully expressive input document might look like this:
{
"data": [{
"id": "ef5efe77-fb84-4fe4-99c0-0631e86a91cb",
"type": "profile",
"attributes": {
"tag": "Single P",
"strategy": {
"strategies": [
[{
"productId": 1,
"allocation": 0.0,
"issueAge": 65,
"withdrawalAge": 65,
"eqFundAllocation": 0.6,
"bondFundAllocation": 0.4,
"fundFees": 0.03,
"mCharge": 0.003,
"riderCharge": 0.0085,
"riderChargeBasis": 0,
"withdrawalRate": 0.05,
"ratchet": true,
"bonusPeriod": 0,
"bonusPercentage": 0.0,
"bonusType": 1
},
{
"productId": 2,
"allocation": 0.0,
"issueAge": 65,
"withdrawalAge": 65,
"eqFundAllocation": 0.0,
"bondFundAllocation": 0.0,
"fundFees": 0.0,
"mCharge": 0.0,
"riderCharge": 0.0,
"riderChargeBasis": 0,
"withdrawalRate": 0.0,
"ratchet": false,
"bonusPeriod": 0,
"bonusPercentage": 0.0,
"bonusType": 0
}],
[{
"productId": 1,
"allocation": 0.1,
"issueAge": 65,
"withdrawalAge": 65,
"eqFundAllocation": 0.6,
"bondFundAllocation": 0.4,
"fundFees": 0.03,
"mCharge": 0.003,
"riderCharge": 0.0085,
"riderChargeBasis": 0,
"withdrawalRate": 0.05,
"ratchet": true,
"bonusPeriod": 0,
"bonusPercentage": 0.0,
"bonusType": 1
},
{
"productId": 2,
"allocation": 0.0,
"issueAge": 65,
"withdrawalAge": 65,
"eqFundAllocation": 0.0,
"bondFundAllocation": 0.0,
"fundFees": 0.0,
"mCharge": 0.0,
"riderCharge": 0.0,
"riderChargeBasis": 0,
"withdrawalRate": 0.0,
"ratchet": false,
"bonusPeriod": 0,
"bonusPercentage": 0.0,
"bonusType": 0
}],
[{
"productId": 1,
"allocation": 0.0,
"issueAge": 65,
"withdrawalAge": 65,
"eqFundAllocation": 0.6,
"bondFundAllocation": 0.4,
"fundFees": 0.03,
"mCharge": 0.003,
"riderCharge": 0.0085,
"riderChargeBasis": 0,
"withdrawalRate": 0.05,
"ratchet": true,
"bonusPeriod": 0,
"bonusPercentage": 0.0,
"bonusType": 1
},
{
"productId": 2,
"allocation": 0.1,
"issueAge": 65,
"withdrawalAge": 65,
"eqFundAllocation": 0.0,
"bondFundAllocation": 0.0,
"fundFees": 0.0,
"mCharge": 0.0,
"riderCharge": 0.0,
"riderChargeBasis": 0,
"withdrawalRate": 0.0,
"ratchet": false,
"bonusPeriod": 0,
"bonusPercentage": 0.0,
"bonusType": 0
}]],
"tax": [28.0],
"effectiveTaxRate": 0.2,
"socialSecurity": 0.0,
"state": null
},
"primary": {
"name": "Single P",
"age": 55,
"retirementage": 65,
"date": null,
"state": null,
"maritalStatus": 0,
"gender": "Male"
},
"secondary": {
"name": null,
"age": 0,
"retirementage": 0,
"date": null,
"state": null,
"maritalStatus": 0,
"gender": "Male"
},
"portfolio": [{
"categorization": {
"income": true,
"type": "Tax-Advantaged Pre-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.2,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.3,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.3,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "joint",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Tax-Advantaged Post-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.3,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.4,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "joint",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Post-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.0,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.5,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.3,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "joint",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Tax-Advantaged Pre-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.2,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.3,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.3,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 1000000.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Tax-Advantaged Post-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.3,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.4,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Post-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.0,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.5,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.3,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Tax-Advantaged Pre-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.2,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.3,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.3,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "secondary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Tax-Advantaged Post-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.3,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.4,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "secondary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Post-Tax Account",
"subtype": "Account"
},
"allocation": [{
"assetclass": "largecap",
"weight": 0.0,
"fees": 0.0
},
{
"assetclass": "midcap",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "international",
"weight": 0.5,
"fees": 0.0
},
{
"assetclass": "emerging",
"weight": 0.1,
"fees": 0.0
},
{
"assetclass": "bonds",
"weight": 0.3,
"fees": 0.0
}],
"cashflows": {
"type": "savings",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}],
"ownership": "secondary",
"jointLife": false,
"benefitAfterSpouseDies": 0.0,
"socialSecurityReduction": false,
"exclusionRatio": 0.0,
"incomeGuarantee": null,
"taxFree": false,
"payEndOfPlan": false,
"payToSpouse": false,
"pretax": false,
"survivalRatio": 0.0,
"futureDollars": false,
"endAge": 0
}
},
{
"categorization": {
"income": true,
"type": "Pension Income",
"subtype": "Pension Income"
},
"allocation": null,
"cashflows": {
"type": "parameterized",
"timeStep": null,
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [{
"type": "parameterized",
"timeStep": "annual",
"startTime": 0,
"itemKey": null,
"vector": [0.0],
"amount": 0.0,
"timeSteps": 120,
"inflationRate": "default",
"inflationSpread": 0.0,
"growthRate": 0.0,
"residencyChangeAtRetirement": false,
"contributions": [null],
"ownership": "primary",
"jointLife": false,
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{
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}]
}
The response for the above input document would appear as follows:
{
"data": [
{
"id": "e0864ea9-85fb-4437-b2f2-25361b946b79",
"type": "incomesecurityscores",
"attributes": [
{
"score": 661,
"summary": "Your RISE of 661 represents your retirement security given your current portfolio without any insurance.",
"description": "Your RISE of 661 is based on your client’s current portfolio, projected savings’ contributions, income sources, and expenses, without inclusion of any guaranteed income products. Your client’s overall savings portfolio is invested in 90% Equity/Growth and 10% Fixed Income Securities, based on your previous entries. An annual fund fee of 100bps has been assumed on that portfolio, which may differ from your client’s actual portfolio fund fees.",
"products": [
{
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"allocation": 0
},
{
"productId": 2,
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}
],
"risk": {
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"longevityRisk": 5,
"marketRisk": 2
},
"details": {
"largeCap": 20,
"_largeCap": 20,
"smallMidCap": 30,
"_smallMidCap": 30,
"developedIntlEquities": 10,
"_developedIntlEquities": 10,
"emergingMarketEquities": 30,
"_emergingMarketEquities": 30,
"usBonds": 10,
"_usBonds": 10,
"VAGLWB": 0,
"_VAGLWB": 0,
"DIA": 0,
"_DIA": 0
},
"ages": {
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"secondaryAge": 0,
"primaryRetirement": 65,
"secondaryRetirement": 0,
"primaryYearRetirement": 10,
"secondaryYearRetirement": 0,
"primaryLifeExpectancy": 88,
"secondaryLifeExpectancy": 0
},
"stats": {
"CTE0": 91,
"CTE90": 62,
"range": 8,
"averageReturn": 0.0646,
"averageInflation": 0.0273
}
},
{
"score": 665,
"summary": "Your RISE of 665 represents your retirement security given your current portfolio with a Variable Annuity with Guaranteed Lifetime Withdrawal Benefit.",
"description": "Your RISE of 665 is based on your client’s current portfolio, projected savings’ contributions, income sources, and expenses, with a 10% allocation to a generic Variable Annuity with Guaranteed Lifetime Withdrawal Benefit beginning at retirement. At issue age, your client’s savings portfolio is reduced to 90% of the overall portfolio, and invested in 81% Equity/Growth and 19% Fixed Income Securities. An annual fund fee of 100bps is assumed on that remaining portfolio, which may differ from your client’s actual portfolio fund fees.",
"products": [
{
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"allocation": 0.1
},
{
"productId": 2,
"allocation": 0
}
],
"risk": {
"inflationRisk": 10,
"longevityRisk": 5,
"marketRisk": 2
},
"details": {
"largeCap": 20,
"_largeCap": 18,
"smallMidCap": 30,
"_smallMidCap": 27,
"developedIntlEquities": 10,
"_developedIntlEquities": 9,
"emergingMarketEquities": 30,
"_emergingMarketEquities": 27,
"usBonds": 10,
"_usBonds": 9,
"VAGLWB": 0,
"_VAGLWB": 10,
"DIA": 0,
"_DIA": 0
},
"ages": {
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"secondaryAge": 0,
"primaryRetirement": 65,
"secondaryRetirement": 0,
"primaryYearRetirement": 10,
"secondaryYearRetirement": 0,
"primaryLifeExpectancy": 88,
"secondaryLifeExpectancy": 0
},
"stats": {
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"CTE90": 63,
"range": 8,
"averageReturn": 0.0646,
"averageInflation": 0.0273
}
},
{
"score": 669,
"summary": "Your RISE of 669 represents your retirement security given your current portfolio with a Deferred Income Annuity.",
"description": "Your RISE of 669 is based on your client’s current portfolio, projected savings’ contributions, income sources, and expenses, with a 10% allocation to a generic Deferred Income Annuity beginning at retirement. At issue age, your client’s savings portfolio is reduced to 90% of the overall portfolio, and invested in 81% Equity/Growth and 19% Fixed Income Securities. An annual fund fee of 100bps is assumed on that remaining portfolio, which may differ from your client’s actual portfolio fund fees.",
"products": [
{
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"allocation": 0
},
{
"productId": 2,
"allocation": 0.1
}
],
"risk": {
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"longevityRisk": 5,
"marketRisk": 2
},
"details": {
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"_largeCap": 18,
"smallMidCap": 30,
"_smallMidCap": 27,
"developedIntlEquities": 10,
"_developedIntlEquities": 9,
"emergingMarketEquities": 30,
"_emergingMarketEquities": 27,
"usBonds": 10,
"_usBonds": 9,
"VAGLWB": 0,
"_VAGLWB": 0,
"DIA": 0,
"_DIA": 10
},
"ages": {
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"secondaryAge": 0,
"primaryRetirement": 65,
"secondaryRetirement": 0,
"primaryYearRetirement": 10,
"secondaryYearRetirement": 0,
"primaryLifeExpectancy": 88,
"secondaryLifeExpectancy": 0
},
"stats": {
"CTE0": 92,
"CTE90": 64,
"range": 8,
"averageReturn": 0.0646,
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}
}
]
}
],
"meta": {
"copyright": "Copyright 2019 Milliman Financial Risk Management LLC",
"version": "1.0.0.0"
}
}