Horizons investment Account

We understand the “flexible” nature of yacht crew contracts, and therefore the need for competitively priced, flexible pensions, savings and investment solutions. For this reason we have developed the Horizons Investment Account in partnership with Platform One and Tilney Bestinvest.

Experience

The Spectrum IFA group has been working with super yacht crew for over 12 years and understand the unique financial planning requirements of captains and crew members.

Excellence

Tilney Bestinvest is a leading Investment Management Group that is dedicated to rigorous and unbiased research and has a relentless focus on excellent client service and the highest levels of professionalism. The firm is authorised and regulated by the UK FCA and look after more than £9 billion of clients’ assets.

Security

Platform One is authorised by the UK Financial Conduct Authority (FCA) and offers safe custody of assets through the Banque du Lux in Luxembourg.

Flexibility

Invest from as little as €50 (or currency equivalent) per month into this account. Our risk profiling software will provide you with a personalised risk rated Multi Asset Portfolio from expert fund research house Tilney Bestinvest. There are no exit penalties or tie in periods. You can increase, decrease, stop or restart your monthly investments at any time.

Competitive

The total costs for regular premiums*

  • 3% initial charge on every premium
  • 1.3% annual platform fee (taken quarterly)
  • €48p.a annual portfolio fee.

IFSL Tilney Bestinvest Multi Asset Portfolio (MAP) funds total annual management charge ranges from 2.22% to 2.4%p.a.

Cash back – 0.75% fund rebate will be paid into your Horizons Platform One account every year from Tilney Bestinvest management fee. This reduces the effective total cost of your MAP fund to between 1.47% and 1.65%.

* It is possible to invest lumps sums though the charging structure is slightly increased.
It is best to increase the monthly investment for a period of 6 months; this also takes advantage of cost averaging.

stop

Don’t invest in this fund !!!

Not before you have had a solid conversation with your local adviser! An investment product like this is designed for the medium to long term and we don’t want you to commit to a product without the correct advice and your full understanding. So, if you are interested in the Horizons Investment Account, contact your local adviser 

Multi-Asset Portfolios

In today’s fast-moving investment markets, many people do not have the time or inclination to actively manage their own investments. Our Multi-Asset Portfolio (MAP) funds are designed to allow you to select from a range of investment objectives and benefit from our expertise in fund research, portfolio construction and investment management.

Whether you are looking for growth, income or a way to protect your investments, we have a strategy that can help you achieve your aims. Once you have invested with us, we will look after your money over the long term and make all the management decisions.

Key Benefits Multi-Asset Portfolios

  1. Have your investments managed by our experts
  2. Choose from five investment strategies, each designed to meet different investment needs
  3. Each portfolio contains a well diversified mix of extensively researched investments
  4. Dynamically managed to meet the ever-changing investment environment
  5. MAP portfolios can sit within your ISA or pension
  6. Value for money. Invest in MAP from €50 per month

Choosing your Multi-asset Portfolio

We have created five funds that are tailored to different investment needs and risk tolerances. Before you choose which Multi-asset Portfolio is right for you, it is important to consider the level of risk you wish to take as well as your investment time horizon and savings goals.

DEFENSIVE
This fund is designed to deliver modest capital and income growth with low volatility.

How will this fund be invested? 
The fund will typically carry a modest bias towards equities with a broad, balanced exposure across all other asset classes. By providing a counterweight to the fund’s equity weighting in this manner the fund will be the least volatile of our MAP range.

INCOME
This fund is designed to deliver a high and modestly growing income stream.

How will this fund be invested?
By investing across global bonds and targeting its equity exposure at higher-yielding markets such as the UK, this fund is designed to provide a consistent and modestly growing income stream.

INCOME & GROWTH
This fund is designed to deliver a rising level of income and modest capital growth.

How will this fund be invested?
This fund typically has a bias to equities but is well diversified across asset classes. The minimum suggested investment timescale for such a portfolio should be five years.

GROWTH
This fund is designed to deliver capital growth with only a modest income.

How will this fund be invested?
This fund aims to provide long-term capital growth through increased exposure to equities. A broad exposure to other asset classes is also included to mitigate some volatility, but this fund should only be considered by investors with a tolerance for risk and a five year plus time horizon.

AGGRESSIVE GROWTH
This fund is designed to deliver capital growth.

How will this fund be invested?
While retaining modest exposure to other asset classes this fund is predominantly invested in equities. With its more aggressive mandate this fund will normally be biased towards emerging rather than developed markets.

Advantages of funds

Rather than selecting individual equities, we prefer to base our portfolios on funds because we believe they have the following advantages:

  • Diversification
  • Easy access
  • Access the best managers
  • Value for money
  • Tax-efficient

Rule #8: Save at least 25 percent of your income for the long term, remember you don’t pay any social security.
If you worked on shore, your salary would be at least 25 percent less.

Contact us now for a free on board consultation

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 “The Spectrum IFA Group” is a registered trademark, exclusive rights to use in France granted to TSG Insurance Services S.A.R.L. Siège Social: 34 Bd des Italiens, 75009 Paris « Société de Courtage d’assurances » R.C.S. Paris B 447 609 108 (2003B04384) Numéro d’immatriculation 07 025 332 – www.orias.fr « Conseiller en investissements financiers, référencé sous le numéro E002440 par ANACOFI-CIF, association agréée par l’Autorité des Marchés Financiers»
 “The Spectrum IFA Group” is a registered trademark, exclusive rights to use in Spain granted to Baskerville Advisers S.L. CIF B-63/137.020 Correduría de Seguros; No de registro RDGS J2306; Paseo de Gracia 63, principal, 2a,08008, Barcelona. Seguro responsabilidad civil CHARTIS Europe No 0131900503.1330  Registro Mercantil de Barcelona, Tomo 35489, Folio 170, Seccion 8, Hoja B-269534
 “The Spectrum IFA Group” is a registered trademark, exclusive rights to use in Italy granted to TSG Insurance Services S.A.R.L. (Italy Branch). Siège Social: 34 Bd des Italiens, 75009 Paris “Société de Courtage d’assurances” R.C.S. Paris B 447 609 108 (2003B04384) Numéro d’immatriculation 07 025 332 – www.orias.fr Conseiller en investissements financiers, référencé sous le numéro E002440 par ANACOFI-CIF, association agréée par l’Autorité des Marchés Financiers