Invest Horizons

Markets move by the minute. Your goals move by the year.

Give every pound a purpose and a date. Arctic sets what you hold against what it is for, so you can judge your investments by your own plans rather than the day's headlines.

Home depositEssential
£65,000 by June 2031 · £400 a month
£0£20k£40k£60kTarget £65,000£56,100£50,700£45,900
£19,100 short on the lower line
Set on five accounts
Interactive Brokers ISA · Trading 212 Invest · AJ Bell ISA · eToro · DEGIRO

Projections are assumptions, not guarantees. Forecasts are not a reliable indicator of future performance.

What people invest for

  • A home deposit5 years · Essential
  • Children's education12 years · Important
  • Retirement25 years · Essential
  • A year off3 years · Aspirational

And one goal for everything else, so every pound has a place.

Why invest towards goals

It is how private wealth planners work: what the money is for comes first, then how it is invested.

Arctic shows you the risks you need to take to meet your goals, and keeps them in view in one private space.

Without a goalWith a goal
What you measureWithoutThe day's moves in priceWith a goalProgress towards what the money is for
When markets fallWithoutA loss with nothing to weigh it againstWith a goalA change in the gap, with the years left to close it
How much riskWithoutWhatever you happen to holdWith a goalSet by when you need the money, and how much it matters
What counts as successWithoutA number going upWith a goalReaching what you set out to do
A figure on sea ice raising a long pole towards the horizon

How Arctic does it

  • On the accounts you already have

    Point a goal at all or part of any account, at any broker. No money moves.

  • One account per goal, if you prefer

    Keep a general investment account for each goal, each at that goal's risk. Arctic follows them all together.

  • Projected from what it holds

    Growth assumed from what the goal holds, as UK pension illustrations do, with a weaker and a stronger line and any gap in pounds.

  • Needs before wishes

    Mark each goal Essential, Important, Optional or Aspirational. The first two are judged on the weaker line.

  • Its own return and exposure

    Each goal shows its own return, what drove it, and the companies it is exposed to.

Live your wealth.

Arctic is opening to a small group first. Your invitation comes by email.

Join the waitlist
Goal-based investing on the accounts you have — Arctic