Investing Policy Statement Skill

The biggest investing mistakes are behavioural — panic-selling, chasing, tinkering. A personal Investing Policy Statement is the rulebook you write while calm, to follow when you're not. This skill drafts one: goals, risk tolerance, a target asset allocation, and the contribution/rebalancing rules that keep you on track. It's educational and generic — not personalized financial advice or a recommendation of specific securities.

Required Inputs

Ask for these only if they aren't already provided:

• Goals & time horizon — what the money is for and when it's needed (retirement in 25y, house in 5y).
• Risk tolerance — how they'd react to a 30% drop; capacity for loss; experience level.
• Current situation — roughly what's invested where, monthly amount to invest, account types available.
• Constraints / values — liquidity needs, ESG preferences, things to avoid.

Output Format