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Horizon Multi-Asset Funds Latest News

Latest insights from the expert team!

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Latest Market Update From Columbia Threadneedle Investments

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The Volatility Managed Hub

Volatility managed strategies…one of the most sought after and effective solutions in multi-asset investing today…want to learn more?

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Lloyds completes acquisition of Embark Group

This marks the start of a new chapter for Embark, as we continue to accelerate our position, with further investment and support from Lloyds.

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Amends To Horizon Multi-Asset Funds Prospectus - 26 April 2022

Read our updated prospectus to see new changes: Following recent restrictions, Russia has been removed as an eligible market.

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Statement on the Embark Horizon Funds and the situation in Ukraine

We continue to be saddened by the ongoing conflict in the Ukraine and hope there can be a resolution as soon as possible.

Why Invest in the Embark 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.

Embark Investments are a signatory of the PRI

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.

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.

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.

Robust three-layer process

EMBARK
INVESTMENTS

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

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.

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.

The Embark Horizon Multi-Asset Funds

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

 

Funds Overview

EMBARK HORIZON MULTI-ASSET FUND I

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

EMBARK HORIZON MULTI-ASSET FUND II

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

EMBARK HORIZON MULTI-ASSET FUND III

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

EMBARK HORIZON MULTI-ASSET FUND IV

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

EMBARK HORIZON MULTI-ASSET FUND V

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.

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, 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.

 

Expert Views

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.

Meet the management team

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.

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.

Fund Prices

Share Class
Type
Price Date
Price (pence)
Embark Horizon Multi-Asset Fund I
Share ClassI
TypeAcc
Price Date15-Aug-22
Price (pence)62.45
Embark Horizon Multi-Asset Fund I
Share ClassZ
TypeAcc
Price Date15-Aug-22
Price (pence)62.19
Embark Horizon Multi-Asset Fund I
Share ClassZ
TypeInc
Price Date15-Aug-22
Price (pence)58.89
Embark Horizon Multi-Asset Fund II
Share ClassI
TypeAcc
Price Date15-Aug-22
Price (pence)68.62
Embark Horizon Multi-Asset Fund II
Share ClassZ
TypeAcc
Price Date15-Aug-22
Price (pence)68.31
Embark Horizon Multi-Asset Fund II
Share ClassZ
TypeInc
Price Date15-Aug-22
Price (pence)63.76
Embark Horizon Multi-Asset Fund III
Share ClassI
TypeAcc
Price Date15-Aug-22
Price (pence)75.03
Embark Horizon Multi-Asset Fund III
Share ClassZ
TypeAcc
Price Date15-Aug-22
Price (pence)74.66
Embark Horizon Multi-Asset Fund III
Share ClassZ
TypeInc
Price Date15-Aug-22
Price (pence)68.75
Embark Horizon Multi-Asset Fund IV
Share ClassI
TypeAcc
Price Date15-Aug-22
Price (pence)81.27
Embark Horizon Multi-Asset Fund IV
Share ClassZ
TypeAcc
Price Date15-Aug-22
Price (pence)80.87
Embark Horizon Multi-Asset Fund IV
Share ClassZ
TypeInc
Price Date15-Aug-22
Price (pence)74.79
Embark Horizon Multi-Asset Fund V
Share ClassI
TypeAcc
Price Date15-Aug-22
Price (pence)93.76
Embark Horizon Multi-Asset Fund V
Share ClassZ
TypeAcc
Price Date15-Aug-22
Price (pence)93.29
Embark Horizon Multi-Asset Fund V
Share ClassZ
TypeInc
Price Date15-Aug-22
Price (pence)88.29

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.

£36.2bn↑

Assets under admin

360,000

Individual clients

430,000

Individual accounts

7

Locations nationwide

*All figures as at June 2022.