Hours Spent on Every IPS
Copying risk scores, formatting allocation tables and adapting mandate language can take 2–3 hours for each new client.
Investment policy statements
Investment policy
statement software.
Turn your client’s goals and risk profile into a personalized investment policy statement, ready for review and e-signature.
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2
Minutes to generate IPS
2-3
Hours saved per client
Audit-ready
Documentation by default
A clearer starting point
Manual IPS documents are hard to keep consistent.
Word templates, copy-pasting, and inconsistent documentation create compliance risk
Gaps in Manual Documentation
Risk capacity analysis and rebalancing thresholds are easy to miss when each document starts from a manually edited template.
Drift Between Quarterly Reviews
Without continuous monitoring, allocations can move beyond IPS thresholds before the next review.
Inside the workflow
Create a client-specific IPS.
From client goals to a signed policy.
Step 01
Generate an IPS in Two Steps
Complete the risk questionnaire, then run Goals and IPS from the client record. Risk scores, objectives and allocations populate the document without copy-pasting. Questionnaire responses remain documented for compliance.
A purpose for each part.
Near termSpending needs
Medium termPlanned expenses
Long termFuture goals
Step 02
Set Goals for Every Account
Link each goal to its accounts and recommended model portfolio. The IPS reflects the accounts in scope, including households with different objectives and restrictions.
Step 03
Apply Your Firm’s Investment Guidelines
Set allocation targets, concentration limits, income requirements and sector restrictions. Firm templates keep IPS language and formatting consistent across clients.
The work ahead.
In view.
In view.
AttentionItems to review
ActivityRecent client work
PipelineProspect context
Step 04
Monitor Drift Between Reviews
Get drift and compliance warnings when portfolios move away from documented targets, so you can act before the next scheduled review.
In good company
In our clients’ words.
Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients.
Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It's an indispensable tool for any advisory firm looking to thrive in today's competitive market.
What a Generated IPS Contains
Each IPS brings together the client’s objectives, risk profile and investment guidelines. Firm templates give every document a consistent structure.
Client profile and objectives
Household details, accounts in scope and objectives from the Goals step. Each goal is linked to specific accounts and a recommended model portfolio.
Risk profile
The composite risk profile combines Portfolio, Behavior and Risk Capacity scores. An advisor override requires a documented rationale.
Asset allocation and investment guidelines
Target allocations from each account’s model portfolio, plus advisor-defined restrictions and preferences, in consistent firm language.
Monitoring and review procedures
Portfolio monitoring and review procedures, drift and compliance warnings, and supervisory review through the Tickets queue and firm IPS Review setting.
Signatures and record keeping
Client and advisor e-signatures with recipient tracking. Signed documents stay in the vault, with firm-wide and per-portfolio audit trails.
A few things to know.
What is investment policy statement software?
Investment policy statement software generates a client-specific IPS from data the advisor has already gathered, instead of copy-pasting it into a Word template. Investipal builds the document from the client record, driven by the composite risk profile and the goals tied to each account. The result is a consistent, signable document with an audit trail behind it.
How does an investment policy statement generator work?
An IPS generator assembles the document from structured inputs, typically the risk assessment, the client objectives, and the target allocations. In Investipal, advisors run a two-step flow from the client record, Goals first, then IPS. The generator uses IPS-specific sections and templates, and the finished document can be shared or exported.
What sections should an IPS include?
A complete IPS covers the client profile, investment objectives and time horizon, the risk profile, target asset allocations with any restrictions, monitoring and review procedures, and signatures. Investipal populates each of these sections from the client record so none get skipped. The walk-through above shows what each section contains and where it comes from.
Are advisors required to have an IPS for every client?
Not universally. There is no blanket legal requirement for retail advisors to produce an IPS for every client, but it is a widely followed fiduciary best practice and many firms require one by policy. An IPS documents why a portfolio is built the way it is, which is exactly what a review or an audit asks for. Firms should confirm what their own compliance policy requires.
What is the difference between an IPS and a financial plan?
A financial plan covers the client's full financial picture, including goals, savings, insurance, and retirement projections. An IPS governs how the investment portfolio is managed, including objectives, risk profile, allocation targets, and review procedures. The plan describes where the client is going. The IPS sets the rules for the portfolio that helps get them there.
How does Investipal generate an IPS?
In two steps from the client record: the advisor completes Goals, then generates the IPS. Goals link each account to its objectives and a recommended model portfolio, and the document is driven by the composite risk profile built from the Portfolio, Behavior, and Risk Capacity scores. Advisors can override the assigned risk band with a written rationale. The finished document is shareable, exportable, and ready for e-signature.
Can clients sign the IPS electronically?
Yes. Investipal includes built-in e-signature with recipient tracking, so the advisor can see who has signed and who is outstanding. The signed IPS is stored in the document vault with the rest of the client record.
How is an IPS kept current after it is signed?
Through ongoing monitoring, scheduled reviews, and an audit trail. Portfolio monitoring flags drift and compliance warnings, so the advisor knows when the portfolio and the policy no longer match. Supervisory review runs through a Tickets queue, and org-wide and per-portfolio audit trails record changes over time. When circumstances change, the advisor regenerates or updates the IPS and sends it for a fresh signature.