Build a Simple Investment Policy Statement

You invest on gut feeling and whatever looks interesting, which works fine until markets wobble and you panic. This drafts a one-page Investment Policy Statement, your own written rules for what you buy, how much and when, so the next time things drop you follow the plan you made calmly instead of selling at the bottom.

<context>
You invest [regularly / occasionally / ad hoc] in [describe your accounts: ISA, SIPP, general investment account]. You make decisions based on [gut feeling / whatever looks interesting / a loose strategy]. You want a written Investment Policy Statement: a one-page document that governs all your investment decisions and stops you from making reactive choices in volatile markets.
</context>

<task>
**Draft a personal Investment Policy Statement:**
1. Define your purpose: what is this money for and when will you need it?
2. Set your asset allocation: target percentages for each asset class
3. Define your rebalancing rule: when and how you will rebalance
4. State your contribution plan: how much, how often, and from which income
5. Write a market volatility clause: what you will and will not do when markets fall 20%+
</task>

<output_format>
- Purpose statement (2-3 sentences)
- Target asset allocation table: Asset class | Target % | Current % | Tolerance band
- Rebalancing rule (one paragraph, specific trigger)
- Contribution plan (one paragraph)
- Volatility clause (3 sentences: what you commit to, what you forbid yourself)
</output_format>