Smallmoves analyses your cash flow, models your risk tolerance, and adjusts allocation logic automatically between contracts. No manual rebalancing, no static spreadsheets.
| Task | Manual approach | Smallmoves system |
|---|---|---|
| Tracking income variance | Spreadsheet review, weekly or ad hoc | Continuous, event-triggered |
| Rebalancing against risk tolerance | Reactive, after a shortfall is noticed | Modelled ahead of cash-flow gaps |
| Decision latency | Days, dependent on available time | Sub-minute execution window |
| Consistency under pressure | Subject to fatigue and bias | Fixed parameters, no drift |
Freelance income rarely follows a predictable curve. A project ends, a payment slips, a quiet month runs longer than planned. Manual risk management assumes a steady baseline that most independent earners don't have.
Smallmoves treats income variability as an input rather than an exception. The system recalibrates exposure as new data arrives, instead of waiting for a quarterly review.
Connected accounts feed transaction history, payment cadence, and outstanding invoices into the model via Open Banking standards. The system builds a rolling profile rather than a single snapshot.
Your stated tolerance is cross-checked against observed behaviour: withdrawal patterns, buffer usage, and response to volatility. Parameters adjust incrementally rather than resetting on each session.
Allocation adjustments run automatically inside pre-approved limits. Any action outside those limits is flagged for manual confirmation before it proceeds.
| Parameter | Definition |
|---|---|
| Testing window | Historical income and market data segmented into rolling periods, re-run against each model revision. |
| Rebalancing frequency | Event-driven, triggered by deposits, invoice settlement, or threshold breaches — not fixed calendar dates. |
| Drawdown limits | Hard caps set per risk profile; the model cannot exceed these regardless of market signal strength. |
| Override logging | Every manual override is recorded with timestamp, reason code, and resulting parameter change. |
Prioritises buffer stability over growth. Allocation shifts are gradual and capped.
Targets a defined buffer while allowing moderate exposure to growth-oriented allocation.
Accepts wider short-term variance in exchange for higher long-term allocation targets.
Provide a work email to begin account integration. No commitment is made until you review and approve the proposed parameters.
Compatible with major UK current account providers via Open Banking