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Horizon Multi-Asset Funds

5 risk profiled multi-asset solutions designed to suit a range of client needs

Embark Horizon Brochure

Why invest into Horizon multi-asset funds?

Due to fluctuations in the performance of individual investmentsinvesting 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.

See the funds mapped to other attitude to risk profiles

             

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. EVALUE

  • 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

  • Overlays its own views on asset allocation on those produced by EValue.
  • 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 chose risk profile
  • Strategic Asset Allocation (SAA) provided by EValue
  • Active investment management from Columbia Threadneedle
  • 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

EXPERT VIEWS

Hear from the Horizon by Embark Chief Executive Office, Thomas Rostron.

Expert views from Alex Lyle at Columbia Threadneedle Investments.

 

 

 

Download the Horizon multi-asset funds CTI market update

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 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.

Responsible Investing

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
Fund Name
Share Class
Type
Price Date
Price (pence)
Embark Horizon Multi-Asset Fund I
Share Class: Z
Type: Inc
Price Date: 29-MAY-20
Price (pence): 61.93
Embark Horizon Multi-Asset Fund I
Share Class: Z
Type: Acc
Price Date: 29-MAY-20
Price (pence): 64.73
Embark Horizon Multi-Asset Fund I
Share Class: I
Type: Inc
Price Date: 29-MAY-20
Price (pence): 62.12
Embark Horizon Multi-Asset Fund I
Share Class: I
Type: Acc
Price Date: 29-MAY-20
Price (pence): 64.89
Embark Horizon Multi-Asset Fund I
Share Class: E
Type: Acc
Price Date: 29-MAY-20
Price (pence): 65.28
Embark Horizon Multi-Asset Fund II
Share Class: Z
Type: Inc
Price Date: 29-MAY-20
Price (pence): 63.71
Embark Horizon Multi-Asset Fund II
Share Class: Z
Type: Acc
Price Date: 29-MAY-20
Price (pence): 67.08
Embark Horizon Multi-Asset Fund II
Share Class: I
Type: Inc
Price Date: 29-MAY-20
Price (pence): 64.05
Embark Horizon Multi-Asset Fund II
Share Class: I
Type: Acc
Price Date: 29-MAY-20
Price (pence): 67.26
Embark Horizon Multi-Asset Fund II
Share Class: E
Type: Acc
Price Date: 29-MAY-20
Price (pence): 67.62
Embark Horizon Multi-Asset Fund III
Share Class: Z
Type: Inc
Price Date: 29-MAY-20
Price (pence): 65.25
Embark Horizon Multi-Asset Fund III
Share Class: Z
Type: Acc
Price Date: 29-MAY-20
Price (pence): 69.33
Embark Horizon Multi-Asset Fund III
Share Class: I
Type: Inc
Price Date: 29-MAY-20
Price (pence): 65.65
Embark Horizon Multi-Asset Fund III
Share Class: I
Type: Acc
Price Date: 29-MAY-20
Price (pence): 69.55
Embark Horizon Multi-Asset Fund III
Share Class: E
Type: Acc
Price Date: 29-MAY-20
Price (pence): 69.91
Embark Horizon Multi-Asset Fund IV
Share Class: Z
Type: Inc
Price Date: 29-MAY-20
Price (pence): 66.79
Embark Horizon Multi-Asset Fund IV
Share Class: Z
Type: Acc
Price Date: 29-MAY-20
Price (pence): 70.68
Embark Horizon Multi-Asset Fund IV
Share Class: I
Type: Inc
Price Date: 29-MAY-20
Price (pence): 67.23
Embark Horizon Multi-Asset Fund IV
Share Class: I
Type: Acc
Price Date: 29-MAY-20
Price (pence): 70.89
Embark Horizon Multi-Asset Fund IV
Share Class: E
Type: Acc
Price Date: 29-MAY-20
Price (pence): 71.27
Embark Horizon Multi-Asset Fund V
Share Class: Z
Type: Inc
Price Date: 29-MAY-20
Price (pence): 72.84
Embark Horizon Multi-Asset Fund V
Share Class: Z
Type: Acc
Price Date: 29-MAY-20
Price (pence): 75.86
Embark Horizon Multi-Asset Fund V
Share Class: I
Type: Inc
Price Date: 29-MAY-20
Price (pence): 73.14
Embark Horizon Multi-Asset Fund V
Share Class: I
Type: Acc
Price Date: 29-MAY-20
Price (pence): 76.10
Embark Horizon Multi-Asset Fund V
Share Class: E
Type: Acc
Price Date: 29-MAY-20
Price (pence): 76.50

About Embark

Embark Group is a fast growing, diversified, financial services business and one of the largest full-scale retirement solutions providers in the UK. We operate successfully in both the advised and institutional areas of the retirement market and power some of the UK’s largest retail financial services businesses. You can find out more information at the Embark Group website or download our Group Due Diligence guide.

£33bn↑

Assets under admin

100%

Independent

360,000

Individual clients

9

Locations nationwide

*Figures are pro-forma and include the recent acquisitions of Alliance Trust Savings and Zurich businesses. All figures as at 1 March 2020.