IP
Investing Policy Statement
🔵 Stable🕐 updated 2026-06-30
🔷 SkillSpec L3
pm-money
Draft a personal investing policy statement (IPS) — the rules someone sets for their own investing. Use when asked to define an investment strategy, set a target asset allocation, or write rules to avoid panic-driven decisions. Produces a structured IPS: goals, risk tolerance, target allocation, contribution & rebalancing rules, and what NOT to do. Educational, not regulated financial advice.
What to give it
▸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.
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Allocation is tied to the stated goals, horizon, and risk tolerance — not generic
✓Allocation percentages sum to 100% and include rebalancing bands
✓Contribution and rebalancing rules are concrete (amount, frequency, trigger)
✓The "will NOT do" guardrails address real behavioural traps
✓Diversification is the default; no specific ticker/security recommendations
✓The educational / not-advice nature is stated
⚠️ What it refuses to do
Do not recommend specific stocks, funds by ticker, or "hot" assets — stay at the asset-class level
Do not set an allocation that ignores the stated time horizon (e.g. all-equities for money needed next year)
Do not omit the behavioural guardrails — they're the point of an IPS
Do not imply guaranteed returns or market-timing works
Do not present this as personalized financial advice
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="investing-policy-statement"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Investing Policy Statement is one of 599 open-source professional AI agent skills — all SkillSpec L3.
Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog