Redefining wealth management
Discover how Y TREE is transforming wealth management. Putting people and their life’s aspirations at the centre of everything, Y TREE is breaking away from outdated models to deliver data-powered, expert advice for a smarter financial future.
How is your portfolio performing?
Wealth isn’t just about numbers, it’s about funding your future. You need a clear view on what you own and how it aligns with your ambitions to know if there’s any shortfall.
Without the right benchmarks, it’s hard to tell if your money is working as hard as it could be. Measuring performance isn’t just about gains, it’s about knowing what to compare it to.
Risk isn’t just about gains and losses, it’s also about fit. Your goals will change over your life, and your appetite for risk may too. What feels right today might not be what you want in the future.
Your finances should be constantly monitored to ensure they conform with your strategy. This analysis should cover all your accounts, currencies, liquidity, risk and consider all relevant tax considerations.
You need to see all your liabilities, assets, (including liquid, illiquid), and returns in one place to truly understand where you are and where you’re going.
Too much cash may mean you miss the opportunity for your money to work harder in an investment. Do you have the right balance, or could reducing your level of cash bring a better return when investments are rising?
There’s a big difference between ignoring the tax treatment of account types and investments in the UK and using them wisely. Each smart move lightens your tax burden, helping you reach your goals faster and with less stress.
Quarterly reports may feel and look impressive, but they may be hiding management, transaction, performance, advice, trading and foreign exchange fees.
Plan for life’s defining moments
Everyone’s ambitions are different, and achieving them starts with smarter money management.From funding education or a property portfolio to supporting causes you care about, your wealth shapes what’s possible. Even if your biggest ambitions feel far off, how you manage your money today will define when and how you reach them.
Ultimately, your finances aren’t just numbers, they shape the way you live today and the experiences you can have for tomorrow.
Lifetime spending
Key assumptions
Elderly care
Elderly care costs for Partner 1 and Partner 2
Children's wedding
£50k for each child at age 30
Children's flat
£400k for each child at age 26
Children's education
£21k pa for Junior (up to 11), £30k pa for Senior (up to 18),
£26k pa for UK Uni until age 21
Cars
£24k every 4 years for replacement until age 90
Holidays
£30k pa until age 90
Philanthropy
£10k pa until age 90
Discretionary expenses
£60k pa until age 90, £30k pa until age 95
£21k pa
thereafter
Base expenses
£100k pa
Total spending
Total spending increases with inflation of 3% pa
Key assumptions
Elderly care
Elderly care costs for Partner 1 and Partner 2
Children's wedding
£50k for each child at age 30
Children's flat
£400k for each child at age 26
Children's education
£21k pa for Junior (up to 11), £30k pa for Senior (up to 18),
£26k pa for UK Uni until age 21
Cars
£24k every 4 years for replacement until age 90
Holidays
£30k pa until age 90
Philanthropy
£10k pa until age 90
Discretionary expenses
£60k pa until age 90, £30k pa until age 95
£21k pa thereafter
£21k pa thereafter
Base expenses
£100k pa
Total spending
Total spending increases with inflation of 3% pa
