Your mandate.
The active version of your self-authored mandate, including its signature, rules, and amendment history.
Version
Originally signed by
Signature
Signed on
Last amended
Next formal review
Terms marked Rule are read by Investboard on an ongoing basis: checks, notices and refusals rest on them. Terms marked Context are recorded by this mandate and nothing acts on them.
I manage the complete investable portfolio for wealth building over 18 years.
- PurposeRule
- Wealth building
- Investment horizonRule
- 18years
- Mandate scopeRule
- Complete investable portfolio (default)
- Withdrawal patternRule
- Not specified
Factor Tilt
- Governing belief
- Risk premia in value, quality, momentum, and size persist across market cycles, even though individual factors can underperform for years.
- Return source
- Market beta plus factor premia from systematic overweighting.
Accepted trade-offs
- Longer stretches of underperformance against the market index.
- Higher costs than plain market-index ETFs.
- More complex rebalancing discipline across several factors.
I invest with the Moderately aggressive risk profile.
I carry an interim decline down to –30%.
- Risk profileRule
- Moderately aggressive
- Accepted declineRule
- –30%
I hold this mix, each class within its band:
Equities
- Min
- 60%
- Target
- 65%
- Max
- 70%
Bonds
- Min
- 15%
- Target
- 20%
- Max
- 25%
Alternatives
- Min
- 3%
- Target
- 8%
- Max
- 13%
Cash
- Min
- 2%
- Target
- 7%
- Max
- 12%
My rebalancing: Calendar review. Applied as defaults: annual review, drift band ±5 %, cooling-off: Soft friction. Investboard surfaces deviations and never trades.
- Drift bandRule
- ±5% (default)
- Single-issuer capRule
- 10% of core equity exposure
- RebalancingRule
- Calendar review
- Review cadenceRule
- 12months (default)
- Cooling-offRule
- Mode: Soft friction, Deviation Journal entry required before change.
Values marked (default) were set by Investboard, not chosen by you. For the remaining figures, anything you did not adjust yourself is likewise preset.
Commitments
Equity drawdown 20% · Hold
Ich halte die Soll-Allokation und prüfe zuerst meine Regeln, bevor ich etwas verändere.
Crisis note
“Volatilität ist der Preis meines langfristigen Plans. Ich prüfe zuerst meine Regeln und handle nicht aus Angst.”
The active version remains traceable to its original signature and every later amendment.
Mandate amended
Mandate created