Are there any assumptions built into the tool which could potentially affect outcomes?

The Risk Capacity element assumes that the investor has provided an accurate representation of their financial circumstances. However, the calculation is determined by combining information on the investor's preferences and circumstances, and deliberately avoids making forward assumptions about market returns or cycles.

It is much more robust to base a model on what is known today and to be able to update it easily in response to changing circumstances (and goals) than to build a model that is sensitive to significant assumptions about the future.

There are always assumptions built into the interaction of inputs in any model. This would require a deeper dive into our approach and methodology.