Investment Policy Statement
INVESTMENT POLICY STATEMENT
Prepared by:
Nargis Bibi
Lubna saeed
Hasiba Kazim
INTRODUCTION
The purpose of this Investment Policy Statement is to establish a clear understanding between the investor and the investment advisor as to the investment objectives and policies applicable to the Investor's investment portfolio. This Statement will:
• establish reasonable expectations, objectives, and guidelines in the investment of the Portfolio's assets.
• set forth an investment structure detailing permitted asset classes, normal allocations and permissible ranges of exposure for the Portfolio.
• encourage effective communication between the Investor and the Advisor.
• create the framework for a well diversified asset mix that can be expected to generate acceptable long term returns at a level of risk suitable to the
Investor.
The Statement has been developed from an evaluation of many key factors which impact the Investor's specific situation and investment objectives.
THE PORTFOLIO
The Portfolio will maintain an active asset allocation strategy. The Portfolio will be invested exclusively in equity and bonds.
Investor profile We are 3 investors:
1. Lubna Saeed
2. Nargis Bibi
3. Hasiba kazim Age: All investors are in age of 23 yrs
INFO:
1. Unmarried
2. Students
3. Debt free investment
INVESTMENT OBJECTIVES
The portfolio seeks to provide current income and also return on investment. So the objective of investment is both capital appreciation and current income as a secondary goal.
CONSTRAINTS
Time Horizon
The portfolio is for a minimum time horizon of five years. Capital values do fluctuate over shorter periods and the Investor should recognize that the possibility of capital loss does exist no matter what the Investor's investment time horizon may be. However, historical asset class return data suggest that the risk of principal loss over a holding period of three years or longer can be minimized with
Prepared by:
Nargis Bibi
Lubna saeed
Hasiba Kazim
INTRODUCTION
The purpose of this Investment Policy Statement is to establish a clear understanding between the investor and the investment advisor as to the investment objectives and policies applicable to the Investor's investment portfolio. This Statement will:
• establish reasonable expectations, objectives, and guidelines in the investment of the Portfolio's assets.
• set forth an investment structure detailing permitted asset classes, normal allocations and permissible ranges of exposure for the Portfolio.
• encourage effective communication between the Investor and the Advisor.
• create the framework for a well diversified asset mix that can be expected to generate acceptable long term returns at a level of risk suitable to the
Investor.
The Statement has been developed from an evaluation of many key factors which impact the Investor's specific situation and investment objectives.
THE PORTFOLIO
The Portfolio will maintain an active asset allocation strategy. The Portfolio will be invested exclusively in equity and bonds.
Investor profile We are 3 investors:
1. Lubna Saeed
2. Nargis Bibi
3. Hasiba kazim Age: All investors are in age of 23 yrs
INFO:
1. Unmarried
2. Students
3. Debt free investment
INVESTMENT OBJECTIVES
The portfolio seeks to provide current income and also return on investment. So the objective of investment is both capital appreciation and current income as a secondary goal.
CONSTRAINTS
Time Horizon
The portfolio is for a minimum time horizon of five years. Capital values do fluctuate over shorter periods and the Investor should recognize that the possibility of capital loss does exist no matter what the Investor's investment time horizon may be. However, historical asset class return data suggest that the risk of principal loss over a holding period of three years or longer can be minimized with