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Life Centred Financial Planning

What is cashflow modelling?

Posted by Andrew_Smith on Wednesday 22nd of April 2020

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“In this world nothing can be said to be certain, except death and taxes.”

Financial planning is all about preparing for those things that may not be so certain (and taxes). Plans should be reviewed regularly so they adapt to changes in your circumstances and reflect developments in the wider economy and financial markets.

Cashflow modelling, sometimes known as cashflow forecasting takes a view of investments, debts, income and expenditure. It takes in to account things like inflation, changes in income and interest rates.

It can then b...

Omnis Market Update Q1 2020

Posted by Andrew_Smith on Monday 6th of April 2020


By a number of measures, the first quarter of 2020 was the worst for equity investors since the aftermath of the Black Monday stock market crash in 1987. As coronavirus spread around the globe, and as the economic implications of efforts to contain its spread became clear, the eleven-year bull market in global equities came to a halt. Stock market indices across Asia, Europe and the US fell in unison, with the UK’s FTSE All Share index falling close to 35% from its peak.


Some – including us (see ‘Shades of 2008’) – have compared rec...

Openwork Investment Committee - Investor Update March 2020

Posted by Andrew_Smith on Friday 27th of March 2020

Coming to terms with market turbulence

Posted by Andrew_Smith on Monday 23rd of March 2020

Coming to terms with market turbulence
As a direct consequence of the COVID-19 outbreak, global stock markets are suffering a period of turbulence. When markets move significantly it can prove very challenging to hear through the noise and focus on the bigger picture.

Lessons from history
Over recent years many investors have become used to a variety of political, financial and economic factors impacting markets, from the Brexit Referendum and subsequent prolonged uncertainty, to the global financial crisis and even further back to the do...