Frequently Asked Questions (FAQ)

Welcome to our frequently asked questions page. We’ve compiled this list of FAQs to help you navigate the S:YB experience and to get the most from our tools and program. If you still have questions after reading these, feel free to send us an email or connect with your financial concierge.


You’ve worked hard for your money, and your money should work hard for you too! Ever heard of making money while you sleep? That’s essentially what investing opens the doors to. As economists say, money has a time value: £1 today is worth more than £1 tomorrow. To avoid time eroding the value of your money, you need to invest it. Do not let inflation erode the purchasing power of your hard-won savings.

Of course, this isn’t magic and there are no guarantees. It’s essential to have an emergency savings fund and not to put all your eggs in one basket.

Do your homework before you get started and make sure to ask all the questions you can think of. That’s what your financial concierge is here for.

Getting started is easy and fun! You’re just a few minutes away from becoming your own investment manager and getting access to world-class fund selection.

First, head to the homepage and click on the link to get your exclusive invitation. Then, enter your name, surname, and email address.

Next, check your email account and open our welcome email. (It can sometimes be caught in the spam folder, so do check there if you don’t see it).

From there, you’ll be asked to follow the easy steps listed within the email to confirm your account and fill out your risk profile.

If you don’t see your welcome email within 24 hours of requesting your invitation, check your SPAM folder. If it’s in there, mark the S:YB email as a favourite and add the email address to your contacts so that you never miss another email from us.

If you’re still not seeing it, send us a note on the Contact Us page and we’ll work with you to get you on your way to creating your revolutionary investment portfolio.

Your financial goals and risk profile are what helps us to understand your tolerance to the risks inherent in the different types of investment opportunities. In general, it’s usually said that the younger someone is, the more risk tolerant they are and they more aged, the less risk tolerant. But this is by no means a hard and fast rule! Indeed, someone with excess cash can be more risk tolerant than someone who needs access to these funds in case of financial emergencies (hence the importance of having an emergency savings fund before you start investing).

That’s why we have a proprietary algorithm to figure out exactly what type of investment opportunities make sense for you! It’s your money and we’re giving you control. We’ll give you recommendations, but you can also always manually select funds to invest in.

Still need some clarification? Not to worry, check out our article on risk tolerance and its more explicit “loss aversion” application.

Once you have a question about planning and investing, please use our on-line assistant to ask your questions. Our online assistant is the icon you see, circled in blue, on the bottom right side of your screen.

Questions you submit will be directly sent to one of the S:YB financial concierges. You will receive a notification regarding your concierge selection within 2-hours thereafter. If you are happy with your concierge, then click the recommend button. You will then have their contact details to reach out to them anytime you need.

If you’d prefer a different concierge for any reason, let us know using the Contact Us form and we will connect you with another one of our great concierges.

Of course not! Like any concierge, your financial concierge is there for your convenience.

If you have questions or want to connect with an expert, feel free to do so! They’re there to help you, on-demand.

If you’d rather go it on your own, then our marketplace is your marketplace. Treat it as such and have fun. Happy investing.

We’ve partnered with a top financial institution Moventum (fund trading) and its AAA rated partner Banque du Luxembourg, who will be the custodians of your assets.

Meanwhile, if you prefer to stick to your bank, it’s not a problem. Just let us know if you want to prepare the buy-sell orders yourself and we can then send these on to your bank to execute on your behalf.

Transferring your funds is easy! We will send you the details of the Banque du Luxembourg for you to transfer your money when it suits you. As soon as your money arrives at your newly created account there, your portfolio selection will be automatically implemented.

For your education, we’ve compiled an anthology of information about investing – this is readily accessible through our Knowledge Center.

We’re glad you’ve asked!

S:YB is a revolutionary marketplace that gives you coveted access to funds and services that are typically only available to the super-rich. This isn’t simply algorithm-based, you’re in control and are calling the shots. However, our smart-algorithm gives you the tools and suggestions to make decisions tailored for you—without you having to do a ton of work. Unlike with robo-advisors, which provide automated, digitally driven financial services with little to no human supervision, you have control and are the investment manager with S:YB.

A diversified portfolio is representative of a heterogeneous overall fund selection. What this means is that you’re lowering your risk exposure by investing in varied asset classes from multiple issuers. Like everything in life, the market ebbs and flows. With a diversified portfolio, you lessen the risk of one ebb causing damage to your overall flow. Still not following? Don’t worry, we’ve written content on this too!

Yes, you are able to open a joint account with your significant other.

We’ve developed a proprietary algorithm which allows our technology to better meet your needs. First, we’ll get you started using your financial planning risk profile to make initial suggestions for you to consider. As you continue to use the platform and make trading decisions, our technology will get to know you better, and thus offer more tailored suggestions and recommendations.

Your pension and/or retirement savings plan is separate from the S:YB experience, so this isn’t a part of the puzzle within the context of our tools. However, you may see a question or two about this in your risk profile, as knowing if you have one or not will help us to evaluate your risk tolerance and investing experience.

About S:YB

You’ve worked hard for your money, and your money should work hard for you too! Ever heard of making money while you sleep? That’s essentially what investing opens the doors for. As economists say, money has a time value: £1 today is worth more than £1 tomorrow. So to avoid this erosion of value, you should to invest it. Do not let things like inflation erode your assets.

Of course, this isn’t magic and there are no guarantees. It’s essential to have an emergency savings fund and to not put all of your eggs in one basket.

Do your homework before you get started and make sure to ask questions if you have any. That’s what your financial concierge is here for.

We believe that the financial marketplace is full of hidden costs and jargon which is designed to confuse customers. This allows banks and financial firms to charge higher rates than they should and to make excess profits.

Our vision is to create a platform that enables transparency, educates investors and reduces unfairness in the marketplace. We aim to do this with our flagship asset allocation engine “The Personal Finance Assistant”, our “Education Project” available on our website and finally by being able to rate an asset manager on an open forum. Essentially we have created the first digital social platform for investors.

There are many so-called competitors that claim to help investors, but which suffer from the same old problems:
• Being yet another asset manager and so adding to an already confusing choice
• Selling past performance as if they could replicate it in the future
• Claiming to be cheap while not disclosing their total cost of investing (known as their total expense ratio)

Firstly, we are the first platform to give you the tools the professionals use so that you can decide for yourself. Nothing complex, complicated or scary. Just give it a go. Technology is here to help so let's use and enjoy it.

Secondly, we focus on transparency: there are no hidden costs. While many will claim this, in reality, there are often hidden costs which all add up over time. To compare and see how we do really differ, check our cost comparison table.

Thirdly, we are the first to put the asset managers directly in front of you. You can rate them, send them comments and ask them questions so that they work better for you.

In short, they are asset managers. We are NOT asset managers.

We are here to help people find a mix of asset managers that together offer the best package for your investment needs, whether you want to save for your children's education, or for your retirement - or perhaps a combination of both.

Those guys do a brilliant job updating the business of a wealth manager to an online model. They actually are portfolio managers picking products made by others. They make philosophical bets and discretionary decisions on the direction that they expect the markets to take. We do not do that. This is not our job.

They bring wealth management to the masses. We offer you an easy way to take overall control of your investments, allowing you to choose how your money is invested, and with whom, matching your overall investment profile to your personal circumstances and allowing tight control over the crucial area of costs.

Our aim is to build a solid and trustworthy business based on a free-to-try service. We charge subscription and account handling fees and we give you the choice of paying this either as a very low proportion of the assets we manage for you or as a share in the growth our suggestions achieve for you. To keep our costs low, we also ask asset managers to pay a fixed cost per fund that is listed. Our fees in no way depend on what we recommend and this charge is because we help asset managers to reach new audiences from their marketing channels.