Good Deals
Investment policy

Your Investment Policy draft.

Better numbers. Better deals.
An Investment Policy Statement is the constitution of your portfolio.
Goals, risk tolerance, allocation targets, rebalancing rules, what's excluded, how often you check in. Most investors don't have one — which means every decision is a coin flip. Answer below and we'll draft yours on the right. Take it to any advisor; the framework is yours either way.

Goals + time horizon

List up to five goals that matter to your household. Each one gets a target year and a dollar (rough estimates are fine).

Source: Corporate Finance Institute — IPS components

Risk tolerance + capacity

Five statements about how you handle volatility, plus two about your capacity to bear it. Drag the dot or click a number — 1 means "strongly disagree", 5 means "strongly agree".

1 · Disagree2345 · Agree
How stable is your household income?
Years until you draw on this portfolio meaningfully?
Source: SEC investor.gov — Asset Allocation, Diversification, and Rebalancing

Liquidity needs

What needs to stay out of the market because you'll spend it soon.

Cash buffer target (months of expenses)
Big planned outflows in the next 2 years (in addition to normal spending)
Examples: down payment, tuition, vehicle, renovation.
Big planned outflows over the next 5 years (total, including the 2-year above)
Source: SEC investor.gov — Retirement Toolkit

Tax + excluded preferences

A few preferences that shape allocation and what we won't buy.

Source: SEC investor.gov — Rebalancing · Cornell LII — IRC §1091 (wash sale rule)

Monitoring + review

How often we look at this together, and what triggers an update.

Review cadence
What triggers an off-schedule review?
References we work from This draft uses the standard CFA / SEC framework. We don't editorialize the rules — we link to them so you can verify. Corporate Finance Institute — IPS components · SEC investor.gov — Asset Allocation · SEC investor.gov — Rebalancing · Bogleheads wiki — IPS template · Morgan Stanley — Importance of an IPS.
Fill the cards above to draft your IPS.

Educational only. Not personalized investment advice. The official IPS is generated as part of a Good Deals engagement, signed, and used to drive portfolio decisions on Altruist. Insurance placement runs through BackNine with commissions disclosed line by line.