The True Value of Financial Advice
Have you been to a financial services conference lately? Then you know that the tectonic force shaking our industry is technology. Except, that’s not entirely
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As a goals-based investment manager, we believe investment problems and challenges are best addressed in the context of an investor’s goals—the ultimate reason behind saving and investing. By aligning investment solutions with investor goals, investors have better opportunities to measure the actual “real world” outcomes they seek.
Each client’s investment-related goals consist of three stages—accumulation (or the gain stage), preservation (or the protect stage) and distribution (or the spend stage). Importantly, for every goal, each stage has its own overarching objective and risk.
GAIN Stage
PROTECT Stage
SPEND StageHave you been to a financial services conference lately? Then you know that the tectonic force shaking our industry is technology. Except, that’s not entirely
It was a week when politics tended to overshadow economics, with stocks selling off and U.S. Treasuries rallying. The S&P 500 declined for the third
Hopes for a quick resolution to the China trade dispute faded this past week, and the market had to come to terms with a new
The trade dispute with China dominated markets during the week, beginning with President Trump’s Sunday night tweet announcing plans to levy additional tariffs on Chinese
April jobs numbers came out well above economists’ estimates, bringing the jobless rate to a 49-year low at 3.6%. The economy added 263,000 jobs in
The U.S. Commerce Department reported first-quarter GDP on Friday, and it was a pleasant surprise, up 3.2% compared to expectations of around 2.3%. Better net
Stocks saw modest returns last week as earnings season kicked into high gear. The S&P 500 closed in on earlier records and was on course
Earnings season kicked into high gear last week with the first reports from the big banks, J.P. Morgan and Wells Fargo. On Friday, the S&P
It was a good week for global stocks, jumpstarted by news of better-than-expected Purchasing Manager Index (PMI) numbers out of China. A strong U.S. jobs
Stocks ended the week on an up note, capping an impressive quarter that saw the S&P 500 index climb 13%, the biggest quarterly gain since
Friday was a tough day for stocks as concerns over global growth overcame a decision by the U.S. Federal Reserve to forgo additional interest rate
It was a bounce-back week for stocks with the S&P 500 climbing 3% and global equities hitting a four-month high. Both Europe and emerging market
The bull market turned 10 on Saturday at the end of a week that was generally negative for stocks. Friday’s jobs report surprised on the
Stocks lost ground mid-week before rallying into the weekend on generally decent data and further optimism on a trade deal with China. It was the
U.S. equities climbed for the ninth straight week – the longest such period since 1995 – and the CBOE Volatility Index (VIX), a measure of
Retail sales looked to be the “big number” for the week, and they disappointed when released on Thursday, showing a much worse than expected decline
It was a mixed week for economic data, and markets reacted accordingly, with U.S. equities up slightly and Europe and Japan lagging. For the U.S.,
The Fed surprised investors last week by adopting a more dovish tone regarding monetary policy than it has taken in the recent past. For example,
A mostly positive week for the U.S. economy, as initial jobless claims fell to their lowest level since 1969 and as the manufacturing sector (as
Last week saw mostly positive economic news in the U.S. Initial jobless claims once again were lower than expected, indicating that the domestic employment picture
The number of Americans filing for jobless benefits fell more than expected during the week ending January 5th—another sign of labor market strength. However, the
2019 began with strong—albeit very mixed—signals about the health of the U.S. economy: The ISM Manufacturing index in December grew at the slowest pace in
Christmas week offered a mixed bag, economically. Initial jobless claims were lower than expected, but continuing claims were slightly more elevated than forecast. Manufacturing activity
Another week of mixed economic results, as the Philadelphia Fed manufacturing index and durable goods orders (as well as core durable goods orders) all were
U.S. consumers remain strong, as evidenced by better-than-expected retail sales in November. Industrial production was also healthier than anticipated for the month, although both manufacturing
Horizon Investments is a modern, goals-based investment manager and think tank. Our focus is on goals-based investment strategies, to help financial advisors and their clients improve the investment experience relative to real world, prioritized financial goals.
Founded in 1995, Horizon provided investment advice to individual clients while utilizing a process based on quantitative analysis. Today our investment process balances quantitative expertise with a qualitative perspective, including economic, fundamental and geopolitical analysis. Over 20 years, we’ve continued to expand our investment management team to include the seasoned academics and research analysts needed to pursue forward-looking approaches to address a myriad of challenges that investors face while seeking to grow their wealth. As a result, financial advisors turn to Horizon for our innovative risk mitigation and retirement income strategies. Rooted in a global active investment approach, the firm’s GAIN PROTECT SPEND® framework, combined with its investment management methodology, has been a cornerstone of Horizon’s portfolio construction process for over a decade.
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© 2019 Horizon Investments, LLC.
All Rights Reserved.
Sitemap | Privacy notice
Terms and conditions
