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. 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.

Columbia Threadneedle Investments is the Investment Manager of The Embark Horizon Fund range, with Embark Investments Limited as Authorised Corporate Director, overseeing the five Multi-Asset funds.

The Fund aims to grow clients’ investment over the medium to long-term, 5 or more years, and to stay within the designated risk profile. It is aligned to risk profile 1 on the EV five-point scale for long-term risk profiling and strategic asset allocation, the lowest in the range, meaning it aims to deliver income and growth through assets that demonstrate moderate price fluctuations, with greater emphasis placed on exposure to fixed income securities including high yield and emerging market bonds, and lower relative emphasis placed on exposure to equities including emerging market equities.

Risk profile – Cautious

The Fund aims to grow clients’ investment over the medium to long-term, 5 or more years, and to stay within the designated risk profile. It is aligned to risk profile 2 on the EV five-point scale for long-term risk profiling and strategic asset allocation ,meaning it aims to deliver income and growth through assets that demonstrate moderate price fluctuations, with an emphasis placed on fixed income securities including high yield and emerging market bonds, and a lower relative emphasis placed on exposure to equities including emerging market equities.

Risk profile – Moderately Cautious

The Fund aims to grow clients’ investment over the medium to long-term, 5 or more years, and to stay within the designated risk profile. It is aligned to risk profile 3 on the EV five-point scale for long-term risk profiling and strategic asset allocation, meaning it aims to deliver income and growth through assets that may demonstrate moderate to large price fluctuations, with a greater emphasis placed on equities including emerging market equities, and lower emphasis placed on exposure to fixed income securities including high yield and emerging market bonds.

Risk profile – Balanced

The Fund aims to grow clients’ investment over the medium to long-term, 5 or more years, and to stay within the designated risk profile. It is aligned to risk profile 4 on the EV five-point scale for long-term risk profiling and strategic asset allocation, meaning it aims to deliver income and growth through assets that may demonstrate moderate to large price fluctuations, with greater emphasis placed on equities including emerging market equity and potentially some exposure to fixed income securities including high yield and emerging market bonds.

Risk profile – Moderately Adventurous

The Fund aims to grow clients’ investment over the medium to long-term, 5 or more years, and to stay within the designated risk profile. It is aligned to risk profile 5 on the EV five-point scale for long-term risk profiling and strategic asset allocation, the highest in the range, meaning it aims to deliver income and growth through assets that may demonstrate large price fluctuations, with the greatest emphasis placed on equities including emerging market equities.

Risk profile – Adventurous

Past performance is not a reliable indicator of future results and the value of investments (and any income from them) can go down, so an investor may get back less than the amount invested. No guarantee is given for the performance of the funds.

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