Investment Policy Statement Worksheet for _______________________________________ 1. Objective RETURN EXPECTATION _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ RISK TOLERANCE • Volatility _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ • Loss of principal _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ 2. Constraints INVESTMENT TIME HORIZON _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ LIQUIDITY _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ CASH FLOW _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ TAX CONSIDERATIONS _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ REGULATORY REQUIREMENTS _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ UNIQUE CIRCUMSTANCES _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ 3. Portfolio guidelines ASSET ALLOCATION Stocks _________________________________________________________________________________ Bonds____________________________________________________________________________ Cash _________________________________________________________________________________ These allocations will be allowed to vary +/–_________________________________________________________ REBALANCING PROCEDURES _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ DIVERSIFICATION GUIDELINES • Stocks The portfolio’s allocation to stocks (_____%) will consist of these asset classes: ____________% Large-capitalization growth stocks ____________% Large-capitalization value stocks ____________% Mid-capitalization growth stocks ____________% Mid-capitalization value stocks ____________% International stocks with a blend not inherently biased toward value or growth The range that the allocations can move within are as follows: Geography: U.S. stocks: ______% – ______% International stocks: ______% – ______% Style: Growth: ______% – ______% Value: ______% – ______% Capitalization: Large cap: ______% – ______% Mid cap: ______% – ______% The portfolio manager will determine the actual weighting within these proscribed ranges based upon his or her view of prevailing market conditions. • Fixed income The fixed-income portfolio (_____%) will consist of _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ • Cash The cash portfolio (_____%) will consist of _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ 4. Monitoring and review of portfolio MANAGER DUE DILIGENCE _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ APPROPRIATE BENCHMARKS The following benchmarks will be employed for evaluating the investment managers’ performance: U.S. large-cap growth __________________________________________________________________________ U.S. large-cap value ____________________________________________________________________________ Mid-cap growth _______________________________________________________________________________ Mid-cap value _________________________________________________________________________________ International _________________________________________________________________________________ Fixed income _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ 5. Review of Investment Policy Statement _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ |
Advisory Services are Provided through Creative Financial Designs, Inc.,
A Registered Investment Adviser, and Securities are Offered through CFD Investments, Inc.,
A Registered Broker/Dealer, Member FINRA & SIPC, 2704 South Goyer Road, Kokomo, IN 46902 765.453.9600
Guidance Financial Consultants, Inc. is not affiliated with the CFD companies.