BitVanced -The Bitcoin Investment Platform

Investment Policy Statement (IPS)

1. Purpose

This Investment Policy Statement (IPS) outlines the investment goals, strategies, and risk management framework for users of BitVanced. It is designed to guide investment decisions and ensure alignment with users' objectives, time horizons, and risk preferences.

2. Investment Objectives

Our primary goal is to help users grow their wealth responsibly and in line with their personal financial aspirations. This includes:

Capital Growth: Maximizing long-term asset appreciation.
Income Generation: Providing stable returns through dividends, interest, and yield-focused investments.
Capital Preservation: Protecting principal investment for conservative users.
Diversified Risk-adjusted Returns: Balancing risk and reward based on individual risk tolerance.

3. Risk Tolerance & User Profiles

Each user is classified based on a risk assessment questionnaire, which includes:

Risk Levels: Conservative, Moderate, and Aggressive.
Investment Goals: Retirement, wealth-building, education savings, etc.

4. Asset Allocation

Portfolios are tailored based on risk profiles and goals:

Conservative: 70% bonds, 20% equities, 10% cash
Moderate: 50% equities, 40% bonds, 10% cash
Aggressive: 80% equities, 15% bonds, 5% alternatives

We rebalance portfolios quarterly to maintain optimal risk-return ratios.

5. Investment Guidelines

We focus on a diversified mix of:

Stocks, Bonds, ETFs, Index Funds, REITs, and select Alternative Assets (including regulated cryptocurrencies).
Prohibited: High-risk derivatives, unregulated securities, margin trading.

6. Monitoring & Review

Rebalancing: Portfolios are reviewed and rebalanced quarterly or when deviations exceed 5%.
Annual Review: We recommend reassessing your profile annually to ensure ongoing alignment with changing goals or market conditions.

7. Transparency & Compliance

We are committed to full transparency regarding fees, potential conflicts of interest, and investment risks. All investments comply with SEC and local regulations to ensure the safety and security of your funds.