Horizont Invest

The Horizont Invest investment programme is a life cycle” product. These products are very popular worldwide, especially for long-term regular investment programmes, typically pension plans.

Here, we provide the administration of a participation-certificate portfolio, in which returns are gradually “locked-in”, because, over time, the share of equity funds in the product structure is gradually reduced and the share of bond and money market funds is increased ( “re-allocation”). This process of making the portfolio gradually more conservative is planned with regard to the time horizon of the investment and protects the investor’s resources from a significant equity-market drop as the planned date for the withdrawal of money approaches.

Again, this programme includes not only our own Conseq Invest funds, but also Parvest and Franklin Templeton funds, i.e. the funds of other and inter-independent investment managers. 

Basic information

  • Investment manager: Conseq Investment Management, a. s.
  • Investment strategy: Balanced, Dynamic
  • Single-time investment: from 10 000 CZK (next from 500 CZK)
  • Regular investment: from 500 CZK / month

The selection of the portfolio determines the distribution of resources among individual funds before re-allocation commences. The Dynamic portfolio offers the biggest potential of return and risk, as it almost exclusively contains equity funds. On the other hand, the Balanced portfolio is the most conservative because, from the very beginning of the programme, it contains a larger proportion of conservative funds (bonds and money market funds).

By gradually reducing the share of equity funds and increasing the weight of conservative funds, the composition of the portfolios gradually converges.

Years to the end of program more than 10 years 10 years 9 years 8 years 7 years 6 years 5 years 4 years 3 years 2 years 1 year
Dynamic strategy
Active Invest Dynamic 100 % 90 % 80 % 70 % 60 % 50 % 40 % 30 % 20 % 10 % 0 %
Conservative funds 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 %
Balanced strategy
Active Invest Balanced 100 % 90 % 80 % 70 % 60 % 50 % 40 % 30 % 20 % 10 % 0 %
Conservative funds 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 %
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