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What Is an Investment Policy Statement (IPS) and How It Supports Your Investment Plan

See how Optimize uses your IPS to guide personalized, goal-aligned portfolio management through all market conditions.

When you invest with Optimize, your portfolio is never built on guesswork or the latest market trends. It is built on a thoughtful, personalized plan that reflects your goals, your time horizon, and your comfort with risk. One of the most important tools we use to ensure your investments stay aligned with that plan is your Investment Policy Statement (IPS).

The IPS is not just a document—it is a roadmap for your portfolio, providing clear guidance on how your investments should be managed, how decisions should be made, and how your portfolio should respond to both market events and changes in your life.

What Is an Investment Policy Statement (IPS)?

An Investment Policy Statement is a written document that outlines your personal investment objectives, your risk profile, your target asset allocation, and any specific guidelines or constraints that should be respected when managing your portfolio. It is a formal agreement between you and Optimize that defines the structure, discipline, and principles behind how your money is invested.

It acts as a reference point for both you and Optimize, ensuring that every investment decision, rebalancing move, or strategy adjustment is made within the framework of your personalized plan.

How the IPS Supports Your Portfolio and Decision-Making

The IPS serves several important roles in your investing journey:

  • Clarity.
    It provides a clear, written record of your goals, risk comfort, and preferences, helping both you and Optimize stay aligned over time.

  • Discipline.
    The IPS helps you avoid emotional decision-making during volatile markets by keeping the focus on your long-term strategy.

  • Accountability.
    It gives both you and Optimize a shared understanding of how your portfolio should be managed, supporting consistency and transparency.

  • Adaptability.
    As your life evolves, the IPS can be updated to reflect changes in your goals, risk comfort, or financial circumstances, ensuring your portfolio stays relevant.

More Than Compliance—It’s About You

While the IPS is a standard tool across the investment industry, at Optimize, we see it as much more than a compliance requirement. It is a personalized, living document that connects your financial plan to your investment strategy, helping you invest with clarity, confidence, and peace of mind.

The IPS ensures that your portfolio is built for you—not for the markets, not for the headlines, but for your life and your goals.