Investor Policy Statement

📈 𝗢𝗕𝗝𝗘𝗖𝗧𝗜𝗩𝗘𝗦 * Double my Net Wealth every 5 years aiming at beating the market by 20% annually * Reach Financial Independence [FI] before the age of 50

💡 𝗢𝗩𝗘𝗥𝗔𝗟𝗟 𝗦𝗧𝗥𝗔𝗧𝗘𝗚𝗬 * “Hard Accumulation” phase (until FI): Save at least 30% of income * “Self Sustainability” phase (between 80 and 120% of FI): Continue saving >5%. Don’t touch the principal, keep working sporadically or find other ways to bring money at home to cover for expenses and let the principal grow

* “What’s income?” phase (150% of FI): make all work and income decisions as if the wage were 0. Stop caring about having to earn money, It’s ok to withdraw from the principal

* “What’s money?” phase (200% of FI: make all spending decisions as if the price were 0. Stop caring about budgeting, expenses, earnings. Just avoid plain stupidity.

🧬 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧𝗦 𝗗𝗡𝗔

* Stock oriented investments with ETFs playing a risk management factor

* Buy and hold stocks strategy: stay invested (extra invest if possible) when the market crashes

* Stay low on costs in the “costs vs efforts” spectrum

* During accumulation phase, keep investing each month and use the monthly investing to rebalance

* Do an annual major rebalance between asset classes and within each class. Use this “major rebalance time” to review this doc and eventually improve/change it

💰 𝗔𝗦𝗦𝗘𝗧 𝗔𝗟𝗟𝗢𝗖𝗔𝗧𝗜𝗢𝗡

*70% Stocks - 20% ETFs - 10% cash

* Keep 5-6 months of living expenses in cash while working

* Keep 12-24 months of living expenses in cash while not working

* In case of urgent need of cash in bear market, sell bonds first

💚 𝗖𝗢𝗣𝗜𝗘𝗥 𝗚𝗨𝗜𝗗𝗔𝗡𝗖𝗘

* Min copy amount: $500 followed by regular injections

* Recommended copy amount: over $1,000 followed by regular injections

* New copiers: check 'copy open trades' and be prepared for some wonderful long-term results

* Happy old copiers who add more funds: do NOT copy open trades

Register through the following link: https://med.etoro.com/B13974_A96413_TClick.aspx