Y H & C Investments does not publish specific returns for the firm or clients as a whole:  The followng are reasons why:

Y H & C Investments as a firm is not GIPS certified. Second, Y H & C returns include situations where an account may have transferred in a position from a client. Third, the performance figures include small accounts where the returns can be skewed by one position. Fourth, each account may have different return objectives and risk constraints from those looking at the return results. Fifth, the performance figures are calculated from the inception of a portfolio (first year-2004).

 

Y H & C Investments does manage model portfolios through Interactive Brokers Asset Management, formely Covestor, and those returns can be seen here-

http://ibkram.com/yhc-investments/long-term-garp 

 

http://ibkram.com/yhc-investments/concentrated-garp

 

 

Here is why investing for higher returns can make a difference:

In looking at the compound interest chart below, over a 10 year period, the difference between 8% annual returns and 12% annual returns is almost $10,000, and over 20 years it grows to nearly $50,000. You can see, that for every one percentage point over 8% annual returns, an investor would have $10,000 more in their pocket. It is clearly evident why trying to attain even 1% more per year on your invested dollars can mean quite a bit when accumulating capital for retirement or other life goals.

Compound Interest Tables - The Value of $10,000 Invested In a Lump Sum

 

4%

8%

12%

16%

10 Years

$14,802

$21,589

$31,058

$44,114

20 Years

$21,911

$46,610

$96,463

$194,608

30 Years

$32,434

$100,627

$299,600

$858,500

40 Years

$48,010

$217,245

$930,510

$3,787,212

50 Years

$71,067

$469,016

$2,890,022

$16,707,038

 

The chart does not mean Y H & C Investments will achieve outperformance, only that is our goal.

 

Our Fees

The fee structure for Y H & C Investments is based on the initial capital invested. Y H & C uses a tiered approach to fees: as more capital is invested the fees that are charged become lower. All fees are charged at the end of each quarter. Each time more capital is added, the fee structure applies. All fees are subject to negotiation, depending on the client tenure, as well as the amount of capital that is deposited with Y H & C Investments. Clients are notified by email and billed for fees incurred, and clients must agree to the fee prior to the capital being withdrawn from the client's account. Clients will pay brokerage and other fees.

The fee structure is different from other money management firms in one is billed on capital deposited, not on the total market value of all assets. For potential clients, this means accrued gains are kept by the client over time, a huge benefit if the market value of the assets rise. The fee structure is as follows:

0 - $500,000, Y H & C charges1% of assets managed. For example, if a client deposited $100,000, the yearly fee would be $1,000.00 The $1,000 fee is broken up into charges of $250.00 per quarter. The $250.00 is deducted from the Ameritrade brokerage account on the last day of each quarter (March 31, 2008, June 30, 2008. September 30, 2008, and December 31, 2008).

$500,000- $2,500,000, Y H & C charges 3/4 of 1% of all assets managed, or 75 basis points (1/100 of 1% is a basis point). For example, if a client deposited $1,000,000, the yearly fee would be $7,500. The $7,500 is broken up into charges of $1,875 per quarter. The $1,875 is deducted from the Ameritrade brokerage account on the last day of each quarter (March 31, 2008, June 30, 2008. September 30, 2008, and December 31, 2008).

$2,500,001 > Y H & C charges 1/2 of 1% of all assets managed, or 50 basis points. For example, if a client deposited $3,000,000, the yearly fee would be $15,000. The $15,000 is broken up into charges of $3,750 per quarter. The $3,750 is deducted from the Ameritrade brokerage account on the last day of each quarter (March 31, 2008, June 30, 2008. September 30, 2008, and December 31, 2008).

For more information- please contact Yale Bock.