Discussion 1

Hello, there your post on Investment Policy Statement was on point, informative and

existing. I wish you all the best in your inspiration. Your goal of becoming financially stable by

the age of 35 years is very realistic since you have a rigid plan on how you are going to achieve

it. I like your philosophy long term investments since it summarizes everything that you wish to

achieve in 25 years to come. However, since you dearly need to achieve your dreams, you should

consider managing your investment constraint wisely. The constraints might be the only

stumbling block that will prevent your dream. You should consider going through the work of

(Riddiough & Wu, 2009) that explain how to go about the various investment constraints.

Riddiough, T. J., & Wu, Z. (2009). Financial constraints, liquidity management, and

investment. Real Estate Economics, 37(3), 447-481. https://doi.org/10.1111/j.1540-6229.2009.00248.x

Discussion 2

A great posting with a clear explanation of your investment planning statement (IPS). I

wish you all the best in your endeavors. Your post caught my eyes on how well you outline the

responsibilities and duties of your financial advisor. I agree with you that individual investors

should have a clear mind of what they which to achieve in the future, and they should be bold

enough to put everything in writing, including things they need help. Your investment policy is

very practical since it is not too high nor too low; I believe $1,200,000 is not very bad for a start

since you still have enough time to grow your portfolio. Moreover, your assets allocation is on

point since properly diversified and well thought off.