Embark Investments Limited does not give investment advice or recommendations in respect of any product or fund range. Nothing contained within this website should be construed as the giving of investment advice or a recommendation to invest.
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Please note that past performance is not necessarily a guide to future performance 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 any of the funds.
The tax position of any fund or product will depend on the personal circumstances of the investor and tax rules may change in the future.
For the most up to date information on the Embark Investments Limited range of Horizon funds, please refer to the relevant fund and share class Key Investor Information Document (KIID), the Supplementary Information Document, the Annual or Interim Short Reports and the Prospectus.
The information in this website is not directed at any US Person. The funds and products mentioned in this website have not been registered under the United States’ Securities Act of 1933 and are not offered and may not be sold in the United States or to US citizens and residents. This website should not be accessed by any person in the United States. By proceeding, you confirm that you are not a US Person.
Embark Investments is the trading name of Embark Investments Limited which is the Authorised Corporate Director of the Embark Investment Funds ICVC. Embark Investments Limited is authorised and regulated by the FCA.
We continue to be saddened by the ongoing conflict in the Ukraine and hope there can be a resolution as soon as possible.
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 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.
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. Embark Investments Limited is compliant with the CFA Institute Asset Manager Code of Conduct.
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.
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. Embark Investments Limited is compliant with the CFA Institute Asset Manager Code of Conduct.
Five Globally Diversified – Volatility Managed – Risk Profiled Solutions – With Long Performance Track Records – And A Unique Three-Layer Investment Process:
1. Embark Investments: experienced and independent Authorised Corporate Director (ACD) for design and governance
2. EV: leading asset allocation provider delivering strategic (long-term) asset allocation and forecasting
3. Columbia Threadneedle Investments: globally recognised Investment Manager providing active security selection, tactical (short-term) asset allocation, and an integrated approach to ESG
The Fund aims to grow your clients’ investment through a combination of income and capital growth over the medium to long term (5 or more years). It will aim to achieve this objective, whilst remaining within Risk Profile 1, which is the lowest risk profile in this range. The Fund aims to deliver income and capital growth through assets that demonstrate moderate price fluctuations (Risk Profile 1), with greater emphasis placed on fixed income securities and lower exposure to equities.
Risk profile – Cautious
The Fund aims to grow your clients’ investment through a combination of income and capital growth over the medium to long term (5 or more years). It will aim to achieve this objective, whilst remaining within Risk Profile 2, which is the second lowest risk profile in this range. The Fund aims to deliver income and capital growth through assets that demonstrate moderate price fluctuations (Risk Profile 2), with emphasis placed on fixed income securities and equities.
Risk profile – Moderately Cautious
The Fund aims to grow your clients’ investment through a combination of income and capital growth over the medium to long term (5 or more years). It will aim to achieve this objective, whilst remaining within Risk Profile 3, which is the middle risk profile in this range. The Fund aims to deliver income and capital growth through assets that may demonstrate moderate to large price fluctuations (Risk Profile 3), with greater exposure placed on equity and lower exposure to fixed income securities.
Risk profile – Balanced
The Fund aims to grow your clients’ investment through a combination of income and capital growth over the medium to long term (5 or more years). It will aim to achieve this objective, whilst remaining within Risk Profile 4, which is the second highest risk profile in this range. The Fund aims to deliver income and capital growth through assets that may demonstrate moderate to large price fluctuations (Risk Profile 4), with greater exposure to equity and some fixed income securities.
Risk profile – Moderately Adventurous
The Fund aims to grow your clients’ investment through a combination of income and capital growth over the medium to long term (5 or more years). It will aim to achieve this objective, whilst remaining within Risk Profile 5, which is the highest risk profile in this range. The Fund aims to deliver income and capital growth through assets that may demonstrate large price fluctuations (Risk Profile 5), with greatest exposure to equity.
Risk profile – Adventurous
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 Fund range on a number of different platforms at the present time: Advance by Embark, Embark Platform, Aegon cofunds, Aegon Retirement Choices, Aviva, Transact, Nucleus, Ascentric, 7IM, Standard Life Elevate, Standard Life Wrap, and AJ Bell Investcentre. With plans to further extend this reach, listen out for more news.
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. Embark Investments Limited is compliant with the CFA Institute Asset Manager Code of Conduct.
Listen to industry experts and advisers discuss the 3 key challenges facing advisers today. Hosted by Professional Adviser.
Latest Horizon funds update, with market views and outlook, from our expert panel.
Embark Investments is governed by a Board comprising of four 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 Investment Management Oversight and Solutions, Head of Investment Operations, and Head of Compliance.
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.
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.
£36.2bn↑
Assets under admin
360,000
Individual clients
430,000
Individual accounts
7
Locations nationwide
*All figures as at June 2022.
