The intelligence behind your investment journey
A portfolio that evolves with both the market and your life.
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Your investment needs change over time
A portfolio designed for a long investment horizon may need a different balance of growth and defensive assets as you get closer to retirement or a financial goal.
The Horizon Engine uses a time-based approach to progressively adjust the portfolio as your investment horizon changes.
The intelligence behind your investment journey
MAMG Horizon Engine is the intelligence behind your investment journey. It combines the expertise of our fund managers, analysts, and investment committees with a systematic decision-making framework to help build, monitor, and adjust your portfolio over time.
Unlike conventional investment platforms that provide a one-time portfolio recommendation, the Horizon Engine continuously evolves your portfolio to keep it aligned with your financial goals, changing market conditions, and life stage.
With MAMG Horizon Engine, investing is not just about choosing funds. It's about having a professionally managed portfolio that adapts as your journey unfolds.
See how the MAMG Horizon Engine works
A simple introduction to the investment framework behind your portfolio journey.
MAMG Horizon Engine
Insert approved Horizon Engine video here
From your goal to a portfolio that evolves
We start with your goal
Every investment journey begins with understanding what you are investing for, whether it's to accumulate wealth, plan for retirement, or save for your children's education. Based on your objectives, we construct a portfolio using carefully selected investment building blocks.
Your portfolio adapts to market conditions
Markets are constantly changing. Different environments may favour different assets such as equities, bonds, cash, or alternative investments. Our portfolio managers work hand-in-hand with the Horizon Engine, continuously evaluating market conditions and adjusting portfolio allocations when necessary, helping you stay positioned for evolving opportunities and risks.
Your portfolio evolves as you age
The level of risk that may be appropriate at age 25 is unlikely to be the same at age 55. As your investment horizon changes over time, our portfolio managers, guided by the Horizon Engine, gradually adjust your portfolio to reflect a more suitable risk profile, helping ensure your investments remain aligned with your long-term objectives.
You stay informed throughout the journey
You receive regular portfolio updates and insights, including portfolio performance, market developments, investment views, and any strategic portfolio changes made in response to evolving market conditions. This helps you stay informed and invested with greater confidence.
A portfolio that evolves with both
the market and your life
Most investment platforms recommend a portfolio and leave you to manage it yourself. With MAMG Horizon Engine, your portfolio is continuously reviewed by our portfolio managers and adjusted using the Horizon Engine to keep it aligned with both changing market conditions and your evolving life stage.
Whether markets shift or your investment needs change over time, Horizon Engine helps ensure your portfolio remains suitable for your long-term goals. Powered by MAMG's proprietary investment framework and backed by experienced portfolio managers, it provides a smarter, personalised investing experience without requiring you to constantly monitor and manage your investments yourself.
Portfolio managers optimise the portfolio over time.
Risk exposure evolves as your investment horizon changes.
Investment expertise works hand-in-hand with the Horizon Engine.
The framework adapts to the type of goal
The underlying framework uses one engine with two modes. The difference is how the portfolio responds as the investor approaches the end of the journey.
“Through”
Keep investing beyond retirement
Retirement uses a “through” design because the investor may continue to need portfolio growth for many years after the retirement date.
Age 18–35
de-risking
Age 65+
“To”
Protect capital as the goal approaches
Goal-Based investing uses a “to” design because the goal has a fixed deadline and there may be little time to recover from a late market downturn.
>10 years
begins
<3 years before goal
Stay invested for growth. De-risk when it matters.
More time
When the investment horizon is long, the framework maintains a higher allocation to growth assets to maximise the compounding runway.
Horizon changes
As the investor gets older or moves closer to a financial goal, the portfolio progressively shifts towards defensive assets.
Goal approaches
When there is less time to recover from a market downturn, the framework places greater emphasis on protecting accumulated capital.
Expertise meets a systematic framework
Investment Committee
Investment Committee oversight supports the framework and the portfolio decisions that guide the investment journey.
Fund Managers
Our portfolio managers work hand-in-hand with the Horizon Engine, applying their investment expertise to the portfolio journey.
Analysts
Our analysts support the investment process through research, analysis and ongoing assessment of market developments.
Built on research and market history
The framework draws on established investment research and documented industry practice, with parameters designed to be systematic and auditable.
Lifecycle investing
Considers how financial needs and risk posture change across an investor's life.
Human capital & portfolio choice
Supports a time-varying approach to portfolio allocation.
Sequence-of-returns risk
Recognises that the timing of returns can matter significantly near a goal.
Shortfall risk & loss aversion
Supports stronger de-risking where missing a fixed goal has a greater consequence.
Tested across decades of market history
The framework has been historically tested using realised MSCI ACWI total returns converted to Ringgit, covering approximately 38 years of market history and multiple market cycles.
Illustrative five-year hold from age 50
| Outcome across 403 start windows | Horizon Engine | 100% Equity |
|---|---|---|
| Worst annualised outcome | -0.9% | -5.5% |
| 5th percentile | 0.5% | -3.2% |
| Median | 8.1% | — |
| Best annualised outcome | 19.2% | 29.1% |
| Start dates that lost money | 11 of 403 | 64 of 403 |
The historical analysis illustrates a trade-off: the glide path may give up some upside in stronger periods while historically reducing the frequency and depth of losses in difficult periods.
This webpage is for informational purposes only and does not constitute investment advice, an offer, or a solicitation. Historical performance and back-tested results are not indicative of future performance. Forward-looking assumptions and illustrations are not guarantees. Investment values may rise or fall, and investors may not get back the amount originally invested. Please refer to the relevant product and fund documents for full details, risks and applicable terms.