FEATURE STORY

CRUSHED BY ZERO

Half of Baby Boomers have yet to reach the typical retirement age of 65. In a time of ultra-low interest rates, retiring Baby Boomers may be crushed by zero.

CRUSHED BY ZERO

FEATURE STORY

CRUSHED BY ZERO

Half of Baby Boomers have yet to reach the typical retirement age of 65. In a time of ultra-low interest rates, retiring Baby Boomers may be crushed by zero.

MARKET COMMENTARY

Strategies in Review

Horizon’s Gain, Protect and Spend portfolios ended Q1 fully invested, reaping the gains that pushed stocks to all-time highs. Markets are moving fast these days and we believe our flexible process helps us navigate those changes.

Outlook on the Economy

The U.S. economy is surging back to life. And boosting world GDP in the process. In short, stimulus spending plus vaccines are conquering the virus.

Platform Webinar | Crushed by Zero

Q1 2021 | Industry Update

Q1 2021 | Market Update

Advisor Sentiment Survey (Q1 2021)

The scary 2020 plunge in stocks still haunts investors. Our advisor survey shows nearly half of respondents say market uncertainty and catastrophic loss are the things their clients are most worried about.
What is your preferred asset for replacing bonds amid low fixed-income yields?
What are your expectations for a 60/40 model moving forward?
Inflation concerns are rising, bonds are tumbling: which scenario do you forsee?
In the wake of 2020’s equity rout and rebound to record highs, how has client risk-taking changed so far?

Annuties in a Goals-Based Framework

Annuities deserve another look when advisors lay out a retirement income plan. Horizon Investments believes a combination of managed money and annuities can help protect retirement nest eggs and also generate income.

 

The commentary in this report is not a complete analysis of every material fact in respect to any company, industry, or security. The opinions expressed here are not investment recommendations, but rather opinions that reflect the judgment of Horizon as of the date of the report and are subject to change without notice. Information has been obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed.  Past performance is no guarantee of future results. Horizon Investments does not provide tax advice, and all investors are strongly advised to consult with their tax advisers regarding any potential investment. Certain transactions give rise to substantial risk and are not suitable for all investors. 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.

We do not intend and will not endeavor to provide notice if and when our opinions or actions change. Horizon Investments is not soliciting any action based on this document. This document does not constitute an offer to sell or a solicitation of an offer to buy any security or product and may not be relied upon in connection with the purchase or sale of any security or service.  

This document does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Contact us for a comprehensive list of securities recommended for strategies described herein.

RISK ASSIST® is NOT A GUARANTEE against loss or declines in the value of your portfolio; it is an investment strategy that supplements a more traditional strategy that supplements a more traditional strategy by periodically investing assets in a portfolio of securities with fixed-income exposure based on Horizon Investments’ view of market conditions.

Asset allocation models are subject to general market risk and risks related to currency fluctuations and economic conditions. Future returns are not guaranteed, and a loss of original capital may occur. Accounts with RISK ASSIST® are not fully protected against all loss, and when the portfolios are exposed to fixed-income securities they may underperform accounts that do not have the RISK ASSIST® feature. There may be economic times where all investments are unfavorable and depreciate in value. Clients may lose money.

The Real Spend® retirement income strategy is NOT A GUARANTEE against market loss and there is no guarantee that the Real Spend® strategy chosen by an investor will lead to successful investment outcomes for part of, or for the entirety of an investor’s retirement. This strategy is not an insurance product with payments guaranteed. It is a strategy that invests in marketable securities, any of which will fluctuate in value. Before investing, consider the investment objectives, risks, charges, and expenses of the strategy. Keep in mind investing involves risk. The value of an investment will fluctuate over time and will gain or lose money.

Horizon Investments, the Horizon H, Gain Protect Spend, Risk Assist and Real Spend are all registered trademarks of Horizon Investments, LLC.

© 2021 Horizon Investments, LLC.
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