Four tools for the conversations advisors actually have
Most advisor software is built for the back office — compliance, reporting, billing. CORVIX is built for the twenty minutes you spend sitting across from a client, when they ask a question and you need an answer on screen.
There are four tools. Each one exists because a specific conversation kept going badly without it.
1. Backtester — show them the bad years, not just the average
A client asks what happens if markets fall. "Historically about 7% a year" is a true answer that convinces nobody, because it describes an average nobody actually lived through.
The Backtester runs a portfolio of shares or funds through real history and shows the parts people care about: the deepest fall from a peak and how long recovery took, how much the value moved around year to year, and what each individual year returned. It also has a timing scenario that answers the objection you hear most — what if I invest right before a crash? — by actually running that, instead of arguing about it.
2. Portfolios — every client holding on one screen
If you want to know what a client actually owns today, the usual answer is to log into each provider in turn and add it up by hand. That is why quarterly reviews take an evening of preparation.
Portfolios keeps client holdings, current valuations and financial ratios in one place, so the position is there when you open it. Fund switches are recorded, so the history of what changed and when doesn't live only in your memory.
3. ILP — what the policy actually returned, after fees
Investment-linked policies are unusually hard to assess honestly, because the headline fund performance and the client's real return are two different numbers. Charges, premium phases and the way allocation changes over the policy's life all sit in between.
The ILP module tracks policy terms, fees and premium phases, and keeps a product library across providers — so you can compare like with like instead of comparing one insurer's brochure to another's.
4. Planner — the questions clients actually lose sleep over
"Will I be alright?" is the real question behind most meetings. Planner answers it by projecting a client's finances forward year by year and showing whether each year's expenses can actually be funded.
It covers cash flow age by age, net worth over time, insurance coverage gaps and what pays out when, and financial-health checks for today. Because projections are guesses, it can also run many randomised versions of the future to show a range of outcomes rather than a single confident line.
How the four fit together
They share one client record. A holding tracked in Portfolios can be sent to the Backtester to be stress-tested. A policy in ILP can feed the Planner's projections. You are not re-keying the same client into four systems.
Underneath all of it sits the same market engine the rest of CORVIX runs on — a business-cycle read across seven markets, described in full in the methodology. Advisors who want the market view as well get it on the same login; advisors who only want the client tools can ignore it entirely.
Who this is not for
CORVIX is not a CRM, not a compliance system, and not a billing platform. It does not file your paperwork. If what you need is a book-of-business admin system, this is the wrong tool and you should keep the one you have.
Questions advisors ask
Do I have to use the market side of CORVIX to use the advisor tools?
No. The four client tools work on their own. The regime and megatrend engine is on the same login if you want it, and ignorable if you don't.
Is this a CRM?
No, and it isn't trying to be. There's no pipeline management, no task system, no compliance filing. It assumes you already have something for that. What it adds is the analysis layer those systems generally don't have.
Can I use it live in a client meeting?
That's what it's built for. The Backtester's timing scenario and the Planner's scenario comparison are designed to be changed while the client watches, so their objection gets answered on screen rather than in a follow-up email a week later.
Does it work outside Singapore?
Yes. The Backtester, Portfolios and ILP modules aren't country-specific. The Planner models country-specific retirement and tax rules, and currently covers Singapore (including CPF) and the United States in detail.
How many clients can I track?
The tools are built around a book of clients rather than a single portfolio, so adding clients is the normal case, not an upgrade path.