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How KYC and IPS Work Together to Keep Your Portfolio Aligned with Your Goals and Risk Comfort

Learn how Optimize uses your Know Your Client (KYC) information and Investment Policy Statement (IPS) together to create, manage, and adjust your portfolio, ensuring it remains connected to your evolving life, goals, and comfort with risk.

At Optimize, we do not see portfolio management as a standalone exercise. It is part of an ongoing relationship grounded in a deep understanding of you—your goals, your comfort with risk, your financial circumstances, and your evolving life. Two key tools help us ensure that your portfolio always stays aligned with this understanding: the Know Your Client (KYC) form and the Investment Policy Statement (IPS).

These documents are not redundant. They work hand in hand, each serving a distinct but complementary role in your investment experience.

KYC Provides the Personal Foundation

Your KYC form captures the essential details about you as an investor. It includes:

  • Personal information, such as your age, family details, and employment status.

  • Your financial picture, including income, assets, liabilities, and cash flow needs.

  • Your risk comfort and investment experience.

  • Your goals and time horizon.

  • Any special considerations or preferences.

KYC ensures that we have an accurate, current understanding of your life, your financial needs, and your investing personality. It is the foundational data that informs how we build and manage your plan.

IPS Translates KYC into an Actionable Strategy

While KYC provides the data, your IPS translates that into a structured, written investment strategy. The IPS defines:

  • Your investment objectives and risk profile.

  • Your target asset allocation and rebalancing guidelines.

  • Liquidity needs and constraints.

  • Preferences, restrictions, or specific instructions.

The IPS acts as the execution plan that turns your KYC information into a disciplined portfolio management framework, ensuring that all decisions are made within the boundaries of your personalized plan.

Working Together to Keep You Aligned and Disciplined

Together, KYC and IPS ensure that your portfolio is not only built correctly at the outset but remains aligned as your life evolves:

  • When your life changes, we update your KYC to capture those shifts.

  • Based on those updates, we revisit and revise your IPS to reflect your new situation.

  • Your portfolio is then managed, monitored, and adjusted using your current IPS as the guiding document.

This process ensures ongoing alignment between your investments, your life, and your comfort with risk, while supporting discipline during both calm and volatile markets.

A Partnership That Adapts Over Time

At Optimize, we view KYC and IPS not as paperwork, but as tools that support a long-term, adaptive partnership. By keeping both documents current and working together, we ensure that your portfolio reflects your journey—not just at the start, but through every milestone, transition, and change along the way.