YieldShield Debt: Why UHNW Allocators Are Missing Out by Following the Herd

Step Outside the Herd with 18% Escrow-Backed Yields

YieldShield Debt: Why UHNW Allocators Are Missing Out by Following the Herd

Break Free from Traditional Strategies with 18% Yields

The Cost of Following the Herd

Ultra-high-net-worth (UHNW) allocators often stick to familiar strategies—Private Equity, Hedge Funds, Real Estate—because that’s what everyone else does. But this "herd mentality" comes at a cost: lower returns, higher fees, and missed opportunities. YieldShield Debt (YSD) offers 18% yields with escrow-backed security, yet many allocators hesitate because it’s outside their comfort zone. In this post, we’ll explore why following the herd limits your portfolio’s potential, why YSD feels "too good to be true" (and why it’s not), and how you can break free to master your move in 2025 and beyond.

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The Herd Mentality—Why It’s Holding You Back

• The Comfort of the Familiar: UHNW allocators often stick to traditional investments because they’re widely accepted—Private Equity (10-12% returns), Hedge Funds (5-7%), or Real Estate (6%). But these come with trade-offs: high fees, illiquidity, and exposure to market volatility.

• The Cost of Conformity: Following the herd means settling for average returns while paying premium fees. For example, Hedge Funds charge 2% management and 20% performance fees, eroding your €1M allocation to €50K-€70K/year after fees.

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• Missed Opportunities: By sticking to the familiar, allocators miss out on innovative strategies like YSD, which delivers 18% yields (€180K/year on €1M) with no fees and escrow security.

Break Free. Master your move with YSD.

Why Haven’t You Heard of YieldShield Debt Before?

• A New Approach: YSD is a private debt strategy designed specifically for UHNW investors and family offices, which addresses the gaps in traditional investments. It’s not a mass-market product—it’s a tailored solution for €1M+ allocations.

• Direct-to-Investor Model: Unlike traditional funds that rely on wealth management firms, YSD connects allocators directly with the platform partner generating the bank-backed returns, cutting out the middle. This direct model reduces fees and increases returns but it also means less visibility through conventional channels.

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• Emerging Trend: The shift toward direct investments is gaining traction among family offices reportedly 60% of family offices are now making direct investments, up from 40% in 2020. YSD is part of this wave, offering a fresh alternative that’s just starting to gain attention.

Is 18% "Too Good to Be True"? Here’s Why It’s Not

• How It Works: YSD delivers 18% yields by leveraging escrow-backed private debt, where your capital is secured and unencumbered. Banking partners recognize your escrow capital, as a balance sheet enhancement for our platform partner unlocking multiples of that amount. This additional credit ensures the yield holds steady regardless of market conditions (see the YSD infographic at  wellcomecapital.com/yieldshield-debt and this post: YieldShield Insider Post 6: Escrow Deep Dive

• Transparency in Numbers: On a €1M allocation, YSD delivers €180K/year, scaling to €1.9M/year on €10M at 19%. Compare that to Private Equity’s €100K-€120K/year on €1M with 5-10 year lockups. The yield is high because the structure is unique allowing our private wealth lending platform partner to generate banking multiples in the form of new credit that immediately gets put to work and is always available to pay interest on the escrow amount. The simplicity of YSD eliminates elaborate cost models, resulting from classic dependencies on management firms and their fees, passing the savings directly to you in the form of higher returns.

• Risk Mitigation: Your capital is held unencumbered in escrow, in a non-depletion account managed by your attorney, and can be withdrawn in a default scenario—no loss, no hassle. This security eliminates the risks of traditional alternatives, making the 18% yield not just achievable but sustainable!

Testimonial:

      ​"Starting from our initial discussions, we found they conduct their operations in a highly professional manner. Communication is always exemplary. Since the onset of our participation in the program, the group has never wavered in providing us with timely answers to our questions, assuring they meet our overall needs. The program continues to deliver the promised results. We look forward to further business initiatives with them, should additional opportunities arise in the future." Glen, Co-Founder & Chief Investment Officer, Investment Management Firm, Toronto ON (Full name and company information redacted to protect our clients from unwanted contacts)

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Break Free—Take a Smarter Path with YieldShield Debt

• Step Outside Your Comfort Zone: The most successful UHNW investors are those who embrace innovation. YSD’s 18% yields, 12-month term, and currency flexibility (USD, EUR, GBP) offer a smarter alternative to the herd’s common, traditional strategies.

• Start Small: Not ready to commit? Download our Escrow Deep Dive at wellcomecapital.com/escrow-deep-dive to see how your €1M+ allocation is protected. Or book a 15-30 minute consultation at wellcomecapital.com/consult to discuss your strategy.

What’s holding you back from exploring alternatives like YSD?

​Share your thoughts below!