Goals-Based Investing

Goals-Based Investment Management

Horizon’s goals-based framework is designed around people and their financial objectives.

We strategically manage portfolios to match peoples’ changing goals and risks through life. That’s the Horizon difference.

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Connecting Product to Planning

We believe there are three stages to a client’s investment journey: Gain, Protect, and Spend. Our strategies are designed to match these universal financial goals.

GAIN Stage

In this stage, we seek to capture growth trends with a flexible, active investing process that’s designed with the goal of growing wealth over time, while being mindful of volatility.

DESIRED OUTCOME:
Accumulation

PRIMARY RISK:
Volatility

PROTECT Stage

Within this stage, we seek to grow assets while mitigating the risk of a catastrophic portfolio loss that could derail a financial plan.

DESIRED OUTCOME:
Preservation

PRIMARY RISK:
Catastrophic Portfolio Loss

SPEND Stage

In this stage, we seek to provide the ability for taking regular distributions and preserve spending power, while addressing longevity and shortfall risks.

DESIRED OUTCOME:
Distribution

PRIMARY RISK:
Longevity

Managing to People, Not Style Boxes

We’re solving a different problem from many other investment managers – we are managing portfolios to suit people’s changing goals and risks.

Our grounding in goals-based principles drives us to focus on the outcome targeted by a financial plan rather than style boxes. At Horizon, we pair rigorous investment research with innovations in portfolio construction to create practical strategies.

	Goals-Based Investing	Traditional Investing
Centered on	Individuals	Institutions
Product is selected by	Outcomes	Risk Profile
Focused on	Reaching Goals	Benchmark Performance
Review is based on	Financial Plan	Markets

Flexible Active Management

We believe a better way to deliver risk-adjusted returns in today’s complex investing environment is to combine the rigor of quantitative analysis with the flexibility of quantitative techniques.

Change Is the Only Constant

We reduce complexity for goals-based advisors. Regardless of the market environment, our active asset allocation strategy seeks to capture opportunities.

Expectational Certainty^TM

Our investment strategy for achieving your clients’ financial goals.

Our Approach:

Focus on individuals, their goals, and their investment journey
Build products that connect to planning
Deploy a Goals-Based Strategy
Innovate to solve modern challenges

Horizon's Goals-Based Roadmap

Our Investment Process

Our multi-disciplined approach combines quantitative and qualitative analysis to pursue wealth-building investment opportunities across evolving market conditions:

Screening equity and fixed income markets
Digging deeper with quantitative and qualitative analysis
Applying innovative portfolio construction strategies
Managing for volatility and capital appreciation
Flexibility to change geographies, weightings, and tilts

The investments recommended by Horizon Investments are not guaranteed.

There can be economic times where all investments are unfavorable and depreciate in value. Clients may lose money.

Financial Advisors

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