[Verse 1] When clients walk through your door seeking wealth You need a blueprint for financial health The IPS maps out their investment course Return objectives become your driving force Risk tolerance shows how much they'll bend Time horizon tells when their journey ends [Chorus] R-R-T-L-T-L-U, seven pillars standing true Return and Risk and Time so clear Liquidity when cash draws near Tax considerations, Legal too Unique circumstances make it new IPS, your guiding star Shows exactly where you are [Verse 2] Individual investors chase their dreams Retirement, college, personal schemes But institutions play a different game Pension funds and endowments stake their claim Defined benefit promises to pay Defined contribution shifts risk away [Chorus] R-R-T-L-T-L-U, seven pillars standing true Return and Risk and Time so clear Liquidity when cash draws near Tax considerations, Legal too Unique circumstances make it new IPS, your guiding star Shows exactly where you are [Bridge] Sovereign wealth funds guard nations' treasure Insurance companies calculate each measure Endowments fund education's call Foundations serve the common good of all Banks manage capital with careful eyes Each institution wears a different disguise [Verse 3] Document every constraint and goal Risk capacity versus risk control Liquidity needs for sudden calls Tax efficiency before money falls Legal limits frame what you can do Unique factors make each client new [Chorus] R-R-T-L-T-L-U, seven pillars standing true Return and Risk and Time so clear Liquidity when cash draws near Tax considerations, Legal too Unique circumstances make it new IPS, your guiding star Shows exactly where you are [Outro] Before you trade or allocate The IPS must navigate Seven components crystal bright Investment policy done right
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