Adaptive Asset Allocation

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The HORIZON Action Report

Every 5 weeks Compass Investors will email you the HORIZON™ Action Report covering the mutual fund or ETF choices available in your employer's 401(k) plan or from any other selected provider. The Action Report prompts your review and, if necessary, a reallocation of your funds, empowering you to take active control over your account.

YOU are always in control of your investment choices. Once you receive each Action Report, follow the instructions provided in the Reallocation Process Document along with the fund analysis in the Action Report to adjust your account as you choose using your employer's benefit or other chosen provider's website. Once you become familiar with it, the account reallocation process typically takes less than 10 minutes to complete.

A Sample Action Report

Adaptive Asset Allocation

Each Action Report Includes:

[1] Your Investment Choices. The list will include the investment options in your employer's 401(k) plan. For non-employer plans, the list will consist of funds that are selected and assembled by Compass Investors into a well-balanced and diversified collection.

[2] The Score. A relative performance measurement for each choice compared to all the other choices. Positive values indicate growth while negative values indicate decline. Click to go "Behind the Scenes" and see how HORIZON™ determines the Score.

[3] Horizon™ Model Portfolio Allocation. The percentage of a total portfolio to invest in each choice based on the Score.  Click to go "Behind the Scenes" and see how HORIZON™ determines the Model Portfolio Allocation,

[4] Fund Restrictions. If applicable, mutual fund holding period and/or repurchase restrictions.


Click to see a real-life example of how HORIZON™ adapts to changing conditions.

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Adaptive Asset Allocation


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Adaptive Asset Allocation

Client Testimonials

What could be easier? The Horizon service tells you exactly the combination of funds as well as how much to allocate to each fund. It only takes me five minutes each month to go through the process."

Dave Aki (

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