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We are pleased to announce that the Horizon Multi-Asset fund range has been introduced into Square Mile’s Academy of Funds with a Recommended rating.
Due to fluctuations in the performance of individual investments, investing in a single asset class rarely meets investors’ objectives. However, a solution that actively invests across multiple asset classes can adapt to changing market conditions and help to spread risk. The Horizon Multi-Asset fund range consists of five purpose-built funds designed to match five typical attitudes to risk or risk profiles.
Each fund is managed with the aim of remaining within its respective risk profile. The funds invest in a number of underlying funds which in turn hold a mix of assets including equities, bonds, property and cash. The higher the risk profile of the Horizon fund, the higher risk of the underlying funds it invests in.
The five risk profiles, on a scale of 1 to 5, are built using EValue’s long-term Strategic Asset allocation model, designed with a focus on delivering investment outcomes to meet specific investor needs. The overall impact of investment term should be considered when selecting a client’s risk profile. The calibration of the risk profile to a client’s preferred investment term can be reviewed using the EValue risk assessor tool. The EValue risk assessor is available in the Financial Advisor section of the Advance by Embark platform. We recognise that you may use several different profiling tools and risk profiling methods, and with that in mind, we have also mapped the funds to other models. Please note that the funds are managed to the EValue 1-5 scales, therefore the mapping to other tools could change over time.
The range of underlying funds are managed by Columbia Threadneedle, with Embark Investment Limited, trading as Horizon by Embark, overseeing the overall management of five portfolios. Embark Investments Limited is compliant with the CFA Institute Asset Manager Code of Conduct.See the funds mapped to other attitude to risk profiles
The Embark Horizon Multi Asset Fund range has reduced exposure to Property by selling out of the Columbia Threadneedle Property Fund (PAIF).Click here to read more
The fund aims to grow your clients’ investment over the medium to long term, five years or more, and to keep the fund within a designated risk profile. It is aligned to risk profile 1 – the lowest in the range – meaning it aims to deliver growth through assets that demonstrate moderate price fluctuations, with greater emphasis placed on fixed income securities and lower exposure to equities.
Risk profile – CautiousEmbark Horizon Multi-Asset Fund I
The fund aims to grow your clients’ investment over the medium to long term, five years or more, and to keep the fund within a designated risk profile. It is aligned to risk profile 2, meaning it aims to deliver growth through assets that demonstrate moderate price fluctuations, with emphasis placed on fixed income securities and equities and some exposure to property.
Risk profile – Moderately Cautious
The fund aims to grow your clients’ investment over the medium to long term, five years or more and to keep the fund within a designated risk profile. It is aligned to risk profile 3, meaning it aims to deliver growth through assets that may demonstrate moderate to large price fluctuations. This could mean there is a greater exposure in the underlying funds towards equities, lower exposure to fixed income securities and some exposure to property.
Risk profile – BalancedEmbark Horizon Multi-Asset Fund III
The fund aims to grow your clients’ investment over the medium to long term, five years or more, and to keep the fund within a designated risk profile. It is aligned to risk profile 4, meaning it aims to deliver growth through assets that may demonstrate moderate to large price fluctuations, with greater exposure to equity and some fixed income securities and property.
Risk profile – Moderately AdventurousEmbark Horizon Multi-Asset Fund IV
The fund aims to grow your clients’ investment over the medium to long term, five years or more, and to keep the fund within a designated risk profile. It is aligned to risk profile 5 – the highest in the range – meaning it aims to deliver growth through assets that may demonstrate large price fluctuations, with greatest exposure to equity and some exposure to property. There may also be some exposure to emerging markets.
Risk profile – AdventurousEmbark Horizon Multi-Asset Fund V
Past performance is not a guide to future performance.
The value of investments can go down as well as up, so your client could get back less than they invested.
The value of funds can fall and rise purely as a result of exchange rate fluctuations. Investments in newer markets, smaller companies or single sectors offer the possibility of higher returns but may also involve a higher degree of risk.
You can invest in the Horizon Multi-Asset Funds on six different platforms at the present time: Advance by Embark, Aegon cofunds, Aegon Retirement Choices, Transact, Standard Life Elevate and Standard Life Wrap. With plans to further extend this reach, listen out for more news.
Latest market views and outlook from Matt Rees at Columbia Threadneedle Investments.
Embark Investments is governed by a Board comprising of five Senior Executives and two Non-Executive Directors, with the daily running of the business overseen by the Management Committee led by the Chief Executive Officer, supported by the Chief Commercial Officer, Head of Fund Group Relationships, Head of Investment Operations and Head of Compliance.Find out more about our business leaders
Embark Investments Limited is committed to responsible investing. We practice responsible investment by ensuring that the analysis of Environmental, Social and Governance (ESG) factors is included in the investment process of the five multi-asset Horizon Investment Funds.
The Horizon Multi-Asset funds are actively managed by Columbia Threadneedle who are one of the founding signatories of the United Nations supported Principles for Responsible Investment (PRI), a globally recognised benchmark for the consideration of Environmental, Social and Governance (ESG) issues. In 2018 Columbia Threadneedle received an overall PRI assessment rating of A+, the highest rating possible. They have been a signatory to the UK Stewardship code since 2010.
Columbia Threadneedle includes ESG considerations in the investment process using its own dedicated Responsible Investment (RI) team with expertise in a range of relevant areas including ESG research and sustainable outcomes.Full Horizon ESG statement
Assets under admin
* Figures are pro-forma and include the recent Alliance Trust Savings acquisition. All figures as at 1 July 2020.