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IPS

INVESTMENT POLICY STATEMENT

Professional risk profiling across capacity, tolerance, need & constraints

This questionnaire follows professional IPS methodology used by institutional advisors. It covers four dimensions: Risk Capacity (what you can afford), Risk Tolerance (what you can stomach), Risk Need (what you require), and Constraints (your rules). The output is a personalized risk profile and AI-generated IPS summary.
STEPS
  1. 1Complete all four sections — use the section tabs to navigate.
  2. 2Answer each question honestly. There are no right or wrong answers.
  3. 3Once all questions in a section are answered, advance to the next section.
  4. 4After all 4 sections, click GENERATE IPS REPORT to get your full profile.
  5. 5Save or screenshot your IPS — use it as a reference when building your portfolio.
0 / 16 questions answered
1
What is your current age?
Younger investors have more time to recover from losses.
2
When do you plan to begin drawing from this portfolio?
This determines your investment time horizon.
3
How would you describe the stability of your income?
Stable income means you can ride out market downturns without selling investments.
4
How significant are your current liabilities (mortgage, loans, etc.)?
High fixed obligations reduce your capacity to absorb investment losses.
5
Do you have an emergency fund covering at least 6 months of expenses?
Without a cash buffer, market downturns may force you to sell investments at a loss.