About Fair Value Of

Fair Value Of provides independent fair value analysis of financial products. We calculate what your investment is really worth — using Monte Carlo simulations, not sales pitches.

What We Do

We model financial products mathematically and run thousands of market simulations to estimate their true economic value. We then compare this fair value to what you actually pay in fees and charges.

Our analysis covers variable annuities, guarantee riders (GMWB, GMDB, GMIB, GMAB), and will expand to mortgages, structured products, and options strategies.

How We Calculate

Every fair value estimate on this site is produced by Monte Carlo simulation — the same methodology used by banks and insurers to price these products internally. We simulate thousands of possible market outcomes and calculate the expected value of each product's cash flows.

Our calculations are powered by MatLogica AADC (AAD Compiler), which enables fast and accurate derivative pricing with automatic risk sensitivities.

Who We Are

Fair Value Of is operated by Raganele Consulting, a quantitative finance consultancy specialising in derivative pricing, risk analytics, and computational finance.

What We Are Not

We are not financial advisers. We do not provide investment recommendations, portfolio management, or personalised financial advice. Our analysis is for educational purposes only.

Neither Fair Value Of nor Raganele Consulting is regulated by the FCA, SEC, FINRA, or any financial regulatory authority.