Your Investment Documentation

Getting Started with KYC and IPS

At Optimize, we believe that personalized financial planning begins with understanding who you are. That is why we place a strong emphasis on the Know Your Client (KYC) process and the creation of a clear Investment Policy Statement (IPS).

The KYC form gathers essential information about your financial situation, goals, risk tolerance, and time horizon. It helps ensure we design a portfolio that fits you—not just now, but as your life evolves. It also fulfills a regulatory requirement that protects both you and your advisor.

Your IPS, on the other hand, is a strategic guide. It outlines how your portfolio will be managed based on your KYC information. It documents your investment objectives, risk comfort, and guidelines for decision-making. Together, KYC and IPS keep your investment approach structured, compliant, and aligned.

Why It Matters

KYC and IPS are more than paperwork. They are critical to designing and managing a portfolio that reflects your goals, risk profile, and changing circumstances. Regularly reviewing and updating both ensures your plan remains relevant and compliant.

The Benefits of KYC and IPS for Your Portfolio

• Build a portfolio that reflects your financial goals and risk comfort

• Maintain regulatory compliance and investor protections

• Ensure consistency in how investment decisions are made and reviewed

• Avoid misalignment between your needs and how your money is managed

• Keep your investment plan flexible, responsive, and well-documented

Understanding KYC and IPS

Your KYC and IPS are the foundation of a personalized investment strategy. Learn how these documents capture your goals, risk comfort, and financial details to guide portfolio decisions. See why keeping them updated ensures your plan stays aligned with your evolving needs:

• What Is a Know Your Client (KYC) Form and How It Supports Your Investment Plan: Learn how the KYC form helps your advisor gather essential details to shape your portfolio and ensure it reflects your personal situation.
• Why Know Your Client (KYC) Is Required and How It Protects You: Understand the regulatory purpose of KYC and how it safeguards your interests as an investor.
• What Information Is Collected in a KYC Form and Why It Matters for Your Portfolio: Explore the key data points collected—such as income, assets, risk tolerance, and objectives—and how they drive portfolio decisions.
• When Should You Review and Update Your KYC Information?: Learn when it is important to update your KYC, such as during life changes or shifts in financial goals.
• What Is an Investment Policy Statement (IPS) and How It Supports Your Investment Plan: Discover how the IPS documents your goals, preferences, and investment guidelines.
• The Key Components of an Investment Policy Statement (IPS): Review what is included in your IPS, from asset allocation targets to rebalancing rules and risk guidelines.
• How the IPS Informs Portfolio Management and Decision-Making at Optimize: See how your IPS acts as a guide for our investment decisions and portfolio oversight.
• When to Review and Update Your IPS Document: Understand when and why to revisit your IPS, ensuring it stays aligned with your evolving situation.
• How KYC and IPS Work Together to Keep Your Portfolio Aligned with Your Goals and Risk Comfort: Learn how both documents support one another to maintain a personalized, goal-driven investment strategy.