Position your clients’ wealth to achieve their goals and manage risks at each investment stage — helping them fund a long and active retirement
Spend wealth (distribution)
For illustrative purposes only.
Retirees are living longer, maintaining robust lifestyles, and seeking to leave a legacy for the people and causes they care about. To reach investors’ goals, we believe modern retirement income solutions must prioritize both asset preservation and capital growth.
The strategy automatically shifts assets from the equity portion of the portfolio to a spending reserve, to support your client’s desired distribution or spend rate.
We believe equities are the most effective asset class for helping investors achieve their goals throughout their lives. Horizon Investments’ focus on distribution-stage equity investment is designed to:
Using Horizon’s investment planning software you can easily determine your client’s target distribution rate, select the Spend portfolio designed to hit that rate, and run different scenarios to measure the likelihood of success.
The typical approach — tilting to a conservative fixed income portfolio as clients enter retirement and focusing on asset preservation as investors spend down — may not be enough to fund retirement and legacy goals, especially in a long-term low-rate environment.
Requiring complex spreadsheets and a huge amount of effort, scaling a manual bucketing approach across all of your clients can be near-impossible.
Five retirement portfolios designed to meet varying distribution targets for Spend-stage investors
For illustrative purposes only