IPSLixonDecide the portfolio before you meet the product.
IPSLixon is TriGen Wealth's Investment Policy Statement builder. Capture who the client is, agree how much risk their finances can bear, and write the rules down — before a single fund is chosen.
Free to use. Everything you enter stays in your browser — nothing is uploaded.The same capital, governed three ways
A written policy is what keeps a portfolio honest.
Markets move, products multiply and opinions change by the week. An IPS is the one document that does not.
The IPS governs the portfolio. Products are selected only after the framework is established.
An IPS is the bridge between what a family or business wants its wealth to do and the investments actually bought. It records the objective, the risk the finances can absorb, how much must stay liquid, and the limits that stop any single bet from growing unnoticed.
It protects the client in good markets as much as bad ones. Decisions are measured against a policy agreed in a calm moment, not against the mood of the day.
It protects the adviser too. Suitability, deviations and approvals are on paper, with dates and reasons.
Six decisions, always in this order.
Each step answers one question. The next step is not allowed to start until the previous one is settled.
- 1
Objectives
What is the money required to achieve?
- 2
Risk profile
What level of loss and volatility is acceptable and financially sustainable?
- 3
Asset allocation
How is capital divided across growth, stability, liquidity and diversifiers?
- 4
Investment universe
Which products, strategies, managers and securities are eligible?
- 5
Risk and governance
What concentration, credit, liquidity and deviation limits apply?
- 6
Monitor and rebalance
How is performance reviewed, and when is action taken?
Three starting points for the allocation conversation.
Illustrative templates, not recommendations. The final ranges are set after a suitability and risk assessment — and you can edit them in the builder.
Conservative
Capital preservation and income. Horizon 3–5+ years. High liquidity focus.
Moderate
Growth with controlled volatility. Horizon 5–7+ years. Moderate–high liquidity focus.
Aggressive
Long-term wealth creation. Horizon 7–10+ years. Moderate liquidity focus.
One method, six kinds of investor.
The builder adapts its questions and its document checklist to who is investing.
What you will be asked for.
Seven short groups of inputs — the same ones in the TriGen IPS workbook. Required items are marked; everything else is optional.
Client profile
- Name, investor type, adviser
- Residency and reporting currency
- Age or years in operation
- Source of wealth
Capital and cash flows
- Investable corpus
- Annual cash requirement
- Expected inflows
- Major liabilities
Objectives and horizon
- Primary and secondary objective
- Investment horizon
- Emergency reserve in months
Liquidity needs
- Needed within 7 days
- Needed within 30 days
- Needed within 1 year
Risk
- Ten-question risk tolerance check
- Capacity, calculated from your numbers
- Final profile and any override reason
Constraints and tax
- Ethical, legal or legacy limits
- Tax and residency notes
- NRI account type and repatriation
- Entity tax status, trust beneficiaries
Holdings
- Each holding with asset class
- Issuer, sector, geography
- Liquidity and credit bucket
- Value, cost, yield, duration, maturity
KYC documents
- Checklist matched to investor type
- Received, pending or waived
The result
- Allocation vs policy, with rebalancing amounts
- Liquidity, concentration and credit checks
- A printable, signable IPS
The controls that make the policy work.
A policy is only as good as the rules that can be checked. These are the four the builder tests for you.
Questions advisers and clients ask.
Is this investment advice?
No. IPSLixon structures a discovery conversation and a policy document. Allocation ranges are illustrative and must be finalised only after understanding the investor's objectives, financial position, risk capacity, risk tolerance, horizon, liquidity needs and applicable laws.
Where is my data stored?
Only in your browser while the page is open. Nothing is sent to a server. Use "Save client file" to keep a copy on your device, and "Open client file" to continue later.
What is the difference between risk tolerance and risk capacity?
Tolerance is how much volatility the investor can stomach emotionally. Capacity is how much loss the finances can absorb without changing the plan. The builder scores both and uses the lower of the two — a high appetite never overrides limited capacity.
Does it work for NRIs, companies, trusts and firms?
Yes. Choose the investor type first. NRIs get account-type and repatriation questions, entities get signatory and tax-status fields, trusts get beneficiaries, and the KYC checklist changes for each.
How often should an IPS be reviewed?
At least annually, and whenever something material changes — a business sale, inheritance, major liability, retirement, a change of residency or a liquidity event.
Can I change the allocation ranges and limits?
Yes. The ranges, targets and limits are defaults you can edit in the builder to match firm policy or limits agreed with the client.