Fund school fees for the year with efficiencies from Y TREE
Over the last 14 years, school fees have jumped 78%. The total cost of educating a child from nursery to university, taking into account inflation at 4.8%, is now more than £750k.
But you don’t need to earn more, take more risk or improve your investment returns to cover this recurring cost. In fact, by cutting fees and creating just one efficiency in your financial life, you could cover your bill every year.
Prior to working with Y TREE, a typical client pays between 1.8% and 2.5% in wealth management fees. By improving the efficiency of your investment set-up (fund costs, discretionary fund management fees, custody and transaction costs), you can easily reduce those costs to 0.7%.
Over 20 years, this could save you £2.3m.
But Y TREE doesn’t just focus on cutting costs. We create multiple, marginal gains across your entire financial profile – risk mix, liquidity, currency, cost, structuring. Each little win compounds to significant value over time.
*Based on a portfolio size of £3.5m, assuming 4.8% inflation. Source of school fee data: ISC.
That means you can probably cover the cost of education and then some. Our clients reinvest the value we generate into the things they care about most – their children, businesses they’re passionate about, travel, retirement, house renovations, philanthropy. It’s up to you.
We are bringing money back to life.
We solve 5 key personal finance problems
1It’s difficult to keep track of your finances
AGGREGATION
- Our technology pulls together all the elements of your financial life
- Automated data feeds with leading private banks and wealth managers
- Instantly accessible via our intuitive App
2Reports from wealth managers are complex and difficult to compare
ANALYSIS
- Independent assessment of risk, performance and fees
- Understanding of key capital market drivers
- Forensic analysis of your income, expenditure, assets and debts
3The industry focuses on investment performance not life
FINANCIAL LIFE STRATEGY
- Sophisticated engine balances your money and your life
- Constantly evolving strategy based on your aspirations
- Flexibility to navigate changes in personal circumstances
4Financial products and acronyms are difficult to understand
ADVICE
- Comprehensive advice on risk, currency, cost, liquidity and tax
- Your dedicated team of expert advisers
- Available 24/7 via our encrypted chat
5Wealth managers are remunerated for selling products
MONITORING
- Access to processes used by the world’s most sophisticated investors
- Multiple marginal gains compounding to significant value over time
- Ongoing assessment to keep your life aspirations on track
The benefits of the Y TREE approach
TRANSPARENCY
- An up-to-date view of your entire financial life in one place
- Independent analysis of your investment performance, risk and all costs
- Perspective on your currency exposure, liquidity profile and debts
EFFICIENCY
- Personal targets for your risk level, currency, cash balances and liquidity
- Institutional processes generating multiple, incremental gains across your financial life adding up to considerable value over time
- Our technology and approach saves you hours of time
MEANING
- Our financial life strategies mean some of our clients can afford to retire earlier without any change in lifestyle
- Many of our clients can reduce the risk they need to take to achieve their aspirations, giving them greater security and peace of mind in turbulent markets
- Some of our clients can fund their children’s private education, family holidays or gifting for the year through fee reduction alone
Our community
Our clients are leaders in many of the top private equity, consulting, corporate finance accounting and law firms, as well as executives in British business and tech entrepreneurs.
This is absolutely brilliant. You’ve captured all the issues with the industry…in a beautifully data-driven way.
SENIOR PARTNER, MAGIC CIRCLE LAW FIRM
I would absolutely recommend Y TREE. The client service, clarity and logic of your approach is second to none.
FORMER PARTNER, BIG FOUR CONSULTANCY
Unless I had billions of pounds, I’d never be able to replicate the quality of your team. I don’t want a family office – this is what I need.