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IPS is an acronym for Investment Policy Statement. It is an investment policy declaration, a strategic guide on how to invest money, how to schedule and implement an investment plan.

Financial Literacy must be a transversal effort by the entire community to make it more credible, professional and transmit more confidence and value to the industry, as all market participants are subject to bias and errors - professionals and investors.

Portfolio diversification involves putting money into more than one financial application. We will try to answer two questions: what mechanisms exist to overcome these mistakes and how we should build the investment portfolio.

Understand why prices rise and what are the causes of inflation. Inflation is defined as the general rise in prices and not just the rise in a particular product or service. That is, we can have a big increase in the price of a specific article and not have inflation.

Why did we make so many wrong decisions about investing? In order to be better investors, we must be aware of the mistakes and biases that we show throughout the investment process. We cannot dissociate our behavior from the evolution of the investment portfolio.

The definition of strategy for the investment portfolio is the result of the investment policy and the formulation of expectations for the capital market. It is an iterative process that culminates in portfolio optimization, asset selection, and strategy execution.