Case study: the accumulation journey

We met a founder of a growing e-commerce business. She had started the business alongside her professional job but resigned three years ago as the company's revenue increased and allowed her to meet her living expenses.

Over these three years, business has boomed with a healthy direct-to-consumer revenue stream from her website. The business has grown to 32 employees and over £6 million revenue.

Scale has allowed the company to lower its unit cost. The founder can now afford to pay herself an attractive wage and dividends whilst still being able to invest in her team and expand into new markets.

It's never too early to seek advice

When we met her, aged, 36, she thought it was "too early" to think about wealth and that she “didn’t want to count her chickens before they hatched” for a business sale. Despite the reservation, she sat down with

one of our Client Advisers. She plotted her current assets on a wealth framework before considering how much she could afford to contribute to an investment portfolio.

Building a personal investment strategy

Having looked at her expected spending, she thought she was able invest £150,000 most years. We modelled these contributions for her maximising tax allowances with investments split between her pension, ISA and General Investment Accounts.

The cashflow model showed her the impact of investing regularly and gave her the confidence to build a nest egg which could diversify her personal finances alongside her business assets.

_{Source: Rothschild & Co, Bloomberg Data from 31 December 2002 to 31 December 2024.}

_{The New Court Fund GBP inception date was 14 July 2015. Performance for periods prior to inception date is the Rothschild & Co Wealth Management UK Ltd GBP Balanced composite, adjusted to reflect the fund's 1% annual management charge and 0.06% operational costs. Performance data is net of fees. Data post 30 September 2007 is net of actual client fees incurred. Data prior is actual gross performance less current average client fees.}

_{Past performance is not a reliable indicator of future performance and the value of investments and the income from them can fall as well as rise.}

_{The above graphs are for illustrative purposes only. The information above is not intended and should not be construed as tax advice. Each investor should seek their own independent tax advice}