Who this is for: Investors who want a policy anchor instead of ad-hoc product decisions.
Allocation is the decision that shapes most of a portfolio's experience. It should be set deliberately and written down.
We arrive at a target allocation using your goals, horizon, income stability and risk profile, then define bands and rebalancing triggers so drift is corrected on rules rather than sentiment.
The policy is reviewed when life circumstances change, not when markets move.
Challenges this addresses
- Allocation drifting with market movements
- Risk taken without a stated tolerance
- Liquidity needs unaccounted for
- No rebalancing discipline
What the engagement includes
- Risk profiling input
- Target allocation with bands
- Rebalancing rules and triggers
- Liquidity provisioning
- Written investment policy note