Cash-Flow Modelling is an integral part of our financial planning process; whether it’s helping to demonstrate the potential benefits of any initial recommendations we’re making, or helping to ensure that you are continually working towards your long-term financial objectives during our regular review meetings. For this we use a sophisticated piece of software called OPAL which allows us to;

• Identify the viability of achieving your financial objectives (short, medium and long term)
• See if you will run out of money in retirement, allowing us to plan any workarounds today
• Create numerous variations of your financial plan, allowing you to see the benefits of utilising certain investment solutions today to help enhance your tomorrow
• Use future inflation assumptions to ensure we’re planning for your long-term objectives in ‘real terms’
• Assess the benefits of increasing or decreasing investment risk, and see how this may impact your financial objectives

Opal is founded on proven asset and liability management techniques from the world of institutional investments. The modelling software plots 1,000 different theoretical economic scenarios based on a wide range of assumptions that reflect plausible future developments (using sophisticated historical behaviour analysis), which can then be used to assess possible outcomes and impacts on your financial plan.

OPAL’s economic scenarios are updated every month with the most recent dynamics of financial markets around the world ensuring they continually adapt to reflect current economic conditions. This sophistication enables us to continually test your financial plan for robustness against possible future developments, enabling a more dynamic approach to long-term financial planning.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.