Pianificazione investimenti

From Planipedia

Thanks to PlanPlus and WEA for sharing their material for this Best Practices Guide.

Investment planning

Situation	Recommendation	Purpose
You have presented an Investment Policy Statement to your client that identifies a strategy relative to their investments.	Investment Policy Statement Agreement – Review this Investment Policy Statement and answer any questions or concerns you might have. Once you are satisfied that the proposed strategy is appropriate for you, sign the Investment Policy Statement Agreement.	To ensure that the client understands the fact that the IPS is a document that will govern all of your future investment decisions.
You are recommending an asset management service with automatic rebalancing that requires a custom risk profile questionnaire be completed.	Custom Risk Questionnaire – Complete a custom portfolio questionnaire with a more indepth review of your investment philosophies, goals, and objectives. This may result in a modest adjustment to your target asset allocation.	To customize the investment recommendations based on the client’s specific risk profile.
You are recommending that the client reposition their existing assets in line with their target asset allocation.	Implementation of Your Target Asset Allocation – The following are the recommended steps that are to be taken to implement your target asset allocation. Identify step by step each of the actions that need to be taken to implement the repositioning you are recommending.	Having detailed action steps will help to ensure that implementation takes place. If you include specific target dates as well, this then becomes a service contact checklist.
While you might have a target asset allocation for the client’s long-term retirement capital, the recommendations for the educational funding capital might be different, given the different time horizon.	Education Savings Investment Strategy – Your educational funds for your children should be invested as follows: Identify your recommendations for the investment of these special funds that are earmarked for education funding.	To facilitate implementation of your recommendations relative to the educational capital and new savings as well.
Business owners are notorious for concentrating a vast majority of their net worth in their business.	Diversification Outside of Your Business – Since a large portion of your net worth is in your business, consider transferring some of the equity from the business assets to your personal investment portfolio.	Often it takes a great deal of encouragement to motivate a business owner to diversify their worth into other assets so that they are not so vulnerable.
Depending on how the client’s target asset allocation is to be implemented, you’ll identify the frequency of reporting the client can expect.	Investment Reporting – Based on your recommended implementation option, you will receive investment reporting on an annual basis from the asset management service. This report will identify all transactions during the previous quarter and will describe your portfolio performance.	To create a realistic expectation relative to investment reporting.
Identify the frequency of portfolio reviews you’ll conduct with your client. Also identify when these reviews will take place.	Portfolio Reviews – We will conduct semiannual meetings to review your portfolio results. These meetings will coincide with the release of your June and December performance reports.	Creating realistic service expectations relative to their investment management.