Five Horizons is a modern discretionary wealth management business working with advisers and clients

Our Values

Technology

Paperless and efficient, tech underpins everything we do.

Communication

Clearly presented ideas in plain English. We tell stories, not stats.

Value

We designed our low-fee service with value in mind.

Flexibility

We’re set up to be nimble and quick to adapt as things change.

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Benefits of working with Five Horizons

Competitive fee structure
Flexible reporting options
Portfolios available on multiple platforms
Dedicated investment manager
First class communications and personal service

Our Investment Philosophy

Markets are inherently uncertain. While we can’t predict the outcome there are certain characteristics that your portfolio will always have.

Simple Benchmarks

When measuring our performance it should be easy for clients to understand whether their portfolio has performed well or not. Our risk rated portfolios are measured against Morningstar equity/bond indices, with the weighting to each asset class depending on the level of risk.

Flexible Approach

Passive v Active. Growth v Value. Large companies v Small companies. We’re agnostic. We’ll consider any geography or asset class that’s appropriate and easily traded. We are simply looking for the best returns and the lowest risk. This of course is easier said than done, and we’re careful to ensure our portfolios are well diversified with a blend of funds to achieve the best outcome.

Investing Fast and Slow

While we seek to take a long term view on the investments we make, often things can change in the short term. Markets move fast and we need to act accordingly. We have a streamlined process for decision making and implementing trades and are not afraid to use it! It may sound strange but often there is a benefit to being unsure, to question our course of action, and then have the courage to make changes.

The Power of The Collective

Some investors feel they have an edge in picking individual companies. Unfortunately this is far less common than many will admit. Our edge is to play trends in the market and we express these convictions through collective funds. This may take the shape of a low cost passive tracker, a specialist fund manager or a trust that can purchase physical assets.

The World is Your Oyster

A more connected world means more connected markets. Our heart is in the UK, but our investment outlook is global. We’re happy to hold positions in other geographical regions, when when such opportunities present themselves. We also like to invest in long term structural investment themes, which tend to be global.

Let’s Talk

Naturally it's free and without obligation. Call, or send us a message today, and let's get to know each other a little.