[Verse 1] Sarah's twenty-five with dreams so bright Wedding bells and house in sight Needs a plan to guide her way Investment Policy Statement today Goals and limits clearly drawn Financial roadmap to lean upon [Chorus] Life goals, family needs, money in between Risk and time and liquidity Return objectives, constraints you see Tax and legal, unique to me IPS for you and me Individual investor's key [Verse 2] John's got kids and college plans Thirty years of working hands Current income, future wealth Taking care of family's health Conservative growth he'll choose Can't afford big money blues [Chorus] Life goals, family needs, money in between Risk and time and liquidity Return objectives, constraints you see Tax and legal, unique to me IPS for you and me Individual investor's key [Bridge] Young and single, take more risk Retired folks need income fixed Time horizon shapes the plan Liquidity for what you can Tax efficiency matters most Legal limits, don't you boast [Verse 3] Write it down and make it clear What you want year after year Review and update as life moves on Marriage, kids, when parents gone Personal situation's change Keep your portfolio in range [Chorus] Life goals, family needs, money in between Risk and time and liquidity Return objectives, constraints you see Tax and legal, unique to me IPS for you and me Individual investor's key [Outro] Document your investing way IPS will guide your day Personal plan for wealth to grow Investment wisdom you should know
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