Protect and grow your capital between contracts
Tern Yieldwick applies AI-driven risk management to freelancer treasury, monitoring markets continuously and adjusting positions while you focus on client work.
View the Analysis
Tern Yieldwick applies AI-driven risk management to freelancer treasury, monitoring markets continuously and adjusting positions while you focus on client work.
View the AnalysisFreelance income arrives unevenly. Cash set aside for quiet months often sits in low-yield accounts, exposed to inflation and missed opportunity while you wait for the next invoice.
Manually managing risk during these gaps takes time most independent professionals cannot spare.
Tern Yieldwick monitors market conditions around the clock, applying risk parameters set for capital preservation rather than speculation.
Each function addresses a distinct part of managing capital without a dedicated treasury team.
Market data is assessed continuously, with exposure reduced automatically when volatility exceeds set thresholds.
Forecasting models identify allocation adjustments that balance return against capital preservation goals.
Positions are adjusted against target weightings as conditions shift, without requiring manual review.
The process is deliberately transparent. No step relies on undisclosed assumptions about future performance.
Market data, liquidity signals, and account parameters are ingested and cross-checked against historical patterns.
Risk parameters set by the client are applied to filter viable allocation options before any action is proposed.
Approved adjustments are executed to preserve liquidity, keeping funds accessible for planned withdrawals.
A three-month gap between contracts is common for independent consultants. Rather than leaving reserves static, Tern Yieldwick maintains exposure within conservative limits, aiming to preserve value until the next invoice clears.
When several contracts run concurrently, surplus capital can be allocated with greater confidence. Automated rebalancing adjusts positions as income increases, without requiring day-to-day attention.
Tern Yieldwick was built around a specific problem: UK freelancers and solo consultants manage their own business treasury without the tools larger firms take for granted.
The platform applies the same category of predictive analytics used in institutional risk management, scaled to individual accounts and denominated in GBP.
See the risk parameters, allocation logic, and liquidity rules before committing any funds.