Personal Investment Plan (PIP)

Think of the PIP as your 'financial compass': it follows the best practices of financial planners, guides your choices and keeps your emotions from taking over your actions in tough times. Credits: aposenteaos40.org

1. Identification and Current Situation

Full Name *

Age *

Marital Status *

Financial Dependents

City/State

Occupation

Contact Email

Net Monthly Income ($) *

Total Household Income ($) *

Income Stability *

Fixed Monthly Expenses ($) *

Total Current Wealth ($) *

Total Debt ($) *

Wealth Breakdown (Optional)

Emergency Fund ($) *

Months Covered by the Fund

2. Financial Goals

List what you want to achieve with your investments.

Shortcuts:

3. Risk Profile and Behavior

Risk Tolerance (1 to 10) *

Conservative Aggressive (5)

Capacity to Take Risk *

Investment Experience *

If your portfolio drops 20% in a year, you: *

If it drops 40%, you: *

Maximum Acceptable Loss in 1 year (%) *

Notes on your behavior during past crises

4. Constraints and Personal Considerations

Ethical (ESG) Restrictions or Sectors to Avoid

Liquidity Needs *

Special Situations (Health, Relocation, etc.)

5. Asset Allocation Strategy

Set the target percentages for each asset class in your portfolio.

Shortcuts:

Current Target Sum: 0%

Allocation Rationale

6. Tax and Fiscal Policy

Income Tax Filing *

Use of Private Pension *

Taxation Regime (Pension) *

Optimization Strategies

7. Contribution Policy

Target Monthly Amount ($) *

Frequency *

Strategy in a Market Downturn *

Priority / Order of Contributions

8. Withdrawal Policy

Target Safe Withdrawal Rate (SWR) (%) * The SWR (Safe Withdrawal Rate) is the percentage of your total wealth you can withdraw each year in retirement (adjusted for inflation) with a low risk of running out of money.

Liquidation Order (Where to draw from first)

Emotional Protection Rules

9. Rebalancing Policy

Rebalancing is the act of bringing your portfolio back to the ideal percentages (targets) defined in Step 5. This forces you to "sell high" and "buy low", keeping risk under control.

Rebalancing Method *

Frequency (Time) *

Tolerance Band (%) * Acceptable deviation from target before rebalancing.

10. PIP Governance and Review

Plan Review Frequency *

Next Review Date *

Triggers for an Extraordinary Review (Check if applicable)

Marriage/Divorce Birth of Children Job Loss/Change Large Inheritance Relocation Abroad

11. Statement of Commitment

I declare that:

I have read and understood all the terms of this Personal Investment Plan.
The asset allocation is aligned with my true risk profile.
I commit to following this strategy, especially in times of crisis.
I will re-read this document before making any drastic decision (panic selling).
I will avoid emotional, impulsive decisions that contradict this plan.

Your Digital Signature (Type your name) *

Location

* I accept and commit to what is set out in this PIP.

12. Summary of Your Plan

Review your plan below. You can save your data to edit later, or copy/print this summary.

What Is the PIP (Personal Investment Plan)?

The PIP is a formal document, in the spirit of an Investment Policy Statement (IPS), that records your goals, risk profile, allocation policy, contributions, withdrawals, and rebalancing rules — acting as a compass for consistent investment decisions over time, even during volatility. Fill out the 12-step form to generate your PIP for free.

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