A traditional asset allocation approach is NOT the RIGHT answer. While better than doing nothing or trying to guess which funds to invest in, traditional asset allocation strategies (Lifecycle and Target Date funds, managed accounts, models based on questionnaires, etc.) follow a Formulaic Asset Allocation (FAA) approach that requires you to always have a fixed percentage (40%-80%) of your plan’s value invested in stocks--even when the stock market is clearly going down. Following a FAA approach will NOT allow you to reach your retirement goal.

Horizon's™ approach to asset allocation delivers superior results. Horizon™, on the other hand, employs an objective approach we call Adaptive Asset Allocation™ (AAA). AAA  delivers the highest returns with low risk by trending your plan's investment allocations so as to work with -- not against -- the changing tide of market and economic realities. Read more about the AAA approach...

Our results speak for themselves...

The following chart compares the true investment return (i.e., no new contributions) of the average of all plans supported by Horizon™ against the best and worst Fidelity Lifecycle fund since 1997. Horizon™ out-performed Fidelity's best asset allocation funds for the past 12 years by over 500%. See the performance for each of our plans.

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Horizon's™ performance results are independently audited. Horizon's™  process and performance results have been verified by Ashland Partners, the leading compliance firm auditing investment management results, in accordance with the ethical and quality standards developed and published by the Chartered Financial Analyst (CFA) Institute.