Horizon by Embark

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Why invest into Horizon multi-asset funds?

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.

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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 EV’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 EV risk assessor tool. The EV 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 EV 1-5 scales, therefore the mapping to other tools could change over time.

The range of underlying funds are managed by Columbia Threadneedle Investments, 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

Best Specialist Risk Targeted Fund / Range.

The Horizon Multi-Asset fund range has received independent industry recognition at the Investment Week Specialist Investment Awards 2020 where they were named Best Specialist Risk Targeted Fund / Range.

Robust three-layer process

1. EMBARK INVESTMENTS

Oversees the management of all five funds.
Actively monitors each portfolio to ensure it is managed in accordance with its investment strategy and investment limits.

2. EV

Provides the investment framework with forward-looking asset allocations.
Weightings are aligned to five risk profiles.
Asset Allocations are updated on a quarterly basis.

3. COLUMBIA THREADNEEDLE INVESTMENTS

Overlays its own views on asset allocation on those produced by EV.
Selects the right mix of underlying funds for each risk profile.
Actively manages the underlying funds to reflect where they believe the best opportunities lie.

Why Horizon Multi-Asset Funds?

Five multi-asset portfolios designed to align with your chosen risk profile
Strategic Asset Allocation (SAA) provided by EV
Active investment management from Columbia Threadneedle Investments
Performance track record

Funds overview

EMBARK 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 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 – Cautious

Embark Horizon Multi-Asset Fund I

EMBARK HORIZON MULTI-ASSET FUND II

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

Embark Horizon Multi-Asset Fund II

EMBARK 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 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 – Balanced

Embark Horizon Multi-Asset Fund III

EMBARK 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 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 Adventurous

Embark Horizon Multi-Asset Fund IV

EMBARK HORIZON MULTI-ASSET FUND V

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 – Adventurous

Embark 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.

Where to invest

You can invest in the Horizon Multi-Asset Fund range on a number of different platforms at the present time: Advance by Embark, Embark Platform, Aegon cofunds, Aegon Retirement Choices, Aviva, Transact, Standard Life Elevate, Standard Life Wrap, 7IM and Nucleus. With plans to further extend this reach, listen out for more news.

EXPERT VIEWS

Listen to industry experts and advisers discuss the 3 key challenges facing advisers today. Hosted by Professional Adviser.

Latest market views and outlook from Alex Lyle at Columbia Threadneedle Investments.

Meet the management team

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

Environmental, Social and Governance statement

Embark Investments, as the Authorised Corporate Director (ACD) of the Horizon fund range, is a signatory of the United Nations supported Principles for Responsible Investment (UN PRI), a globally recognised benchmark for the consideration of Environmental, Social and Governance (ESG) issues. Embark Investments are committed to the integration of fundamental ESG principals into the Horizon Multi Asset Fund range and continue to evolve the Horizon Funds in line with changing investment markets and client needs.

The six principles for the PRI match the framework that Embark Investments employs to oversee the Horizon funds, helping us to embrace an international standard. The ACD monitors the funds through a number of ESG-related indicators on a monthly basis and proactively engages with the appointed investment manager, Columbia Threadneedle Investments.

The multi-asset fund managers responsible for the five Horizon funds at Columbia Threadneedle, as well as the portfolio managers of Horizon’s underlying sub-funds, are supported in their decision-making by Columbia Threadneedle’s Responsible Investment (RI) team. Their proprietary RI ratings tool provides insights into a company’s leadership, governance, culture and operational standards of practice, with a focus on issues that are material to its long-term performance. Their approach includes understanding linkages between sustainability opportunities on the one hand, and growth and competitive advantage on the other.

Columbia Threadneedle Investments are one of the founding signatories of the UN PRI. In 2020 Columbia Threadneedle received an overall PRI assessment rating of A+, the highest rating possible which they have enjoyed for the sixth year running. They have been a signatory to the UK Stewardship code since 2010.

Full Horizon ESG statement

Fund Prices

Share Class

Type

Price Date

Price (pence)

Embark Horizon Multi-Asset Fund I

Acc

26-Jul-21

68.99

Embark Horizon Multi-Asset Fund I

Acc

26-Jul-21

68.76

Embark Horizon Multi-Asset Fund I

Inc

26-Jul-21

65.43

Embark Horizon Multi-Asset Fund II

Acc

26-Jul-21

74.71

Embark Horizon Multi-Asset Fund II

Acc

26-Jul-21

74.44

Embark Horizon Multi-Asset Fund II

Inc

26-Jul-21

69.94

Embark Horizon Multi-Asset Fund III

Acc

26-Jul-21

80.71

Embark Horizon Multi-Asset Fund III

Acc

26-Jul-21

80.38

Embark Horizon Multi-Asset Fund III

Inc

26-Jul-21

74.62

Embark Horizon Multi-Asset Fund IV

Acc

26-Jul-21

87.38

Embark Horizon Multi-Asset Fund IV

Acc

26-Jul-21

87.05

Embark Horizon Multi-Asset Fund IV

Inc

26-Jul-21

81.12

Embark Horizon Multi-Asset Fund V

Acc

26-Jul-21

99.6

Embark Horizon Multi-Asset Fund V

Acc

26-Jul-21

99.2

Embark Horizon Multi-Asset Fund V

Inc

26-Jul-21

94.29

About Embark Group

Embark Group is a fast growing, diversified, financial services business. You can find out more information at the Embark Group website or download our Group Due Diligence guide.

£40bn↑

Assets under admin

100%

Independent

415,000

Individual clients

Locations nationwide

*All figures as at 10 May 2021.

Horizon Multi-Asset Funds

Evolving with a changing world. What’s on your investment horizon?

Embark Investments signs up to the United Nations Principles for Responsible Investing

Managing investment risk in volatile markets

Latest quarterly report for the Horizon fund range

Why invest into Horizon multi-asset funds?

Best Specialist Risk Targeted Fund / Range.

Robust three-layer process

1. EMBARK INVESTMENTS

2. EV

3. COLUMBIA THREADNEEDLE INVESTMENTS

Why Horizon Multi-Asset Funds?

Funds overview

EMBARK HORIZON MULTI-ASSET FUND I

EMBARK HORIZON MULTI-ASSET FUND II

EMBARK HORIZON MULTI-ASSET FUND III

EMBARK HORIZON MULTI-ASSET FUND IV

EMBARK HORIZON MULTI-ASSET FUND V

Where to invest

EXPERT VIEWS

Meet the management team

Environmental, Social and Governance statement

Fund Prices

About Embark Group

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