Notre avis

Définit et maintient des garde-fous pour une politique d'investissement à long terme, assurant la discipline de portefeuille et la gestion des risques.

Points forts

Fournit un cadre structuré pour des décisions cohérentes
Inclut des garde-fous comportementaux
Oblige à considérer des scénarios de perte
Produit un document de politique réutilisable

Limites

Suppose que l'utilisateur a défini ses objectifs et sa tolérance au risque
Ne fournit pas de conseils d'investissement spécifiques
Nécessite la saisie de paramètres par l'utilisateur

Quand l'utiliser

Quand vous avez besoin d'un cadre d'investissement discipliné à long terme pour éviter les décisions émotionnelles.

Quand l'éviter

Quand vous avez besoin de conseils de trading à court terme ou de recommandations de titres spécifiques.

Exemples

Set up a retirement investment policy

Help me set up a long-term investment policy for my retirement portfolio with a 20-year horizon.

Define rebalancing rules

Define rebalancing rules for my stock and bond allocation, including trigger bands and cadence.

Create a decision framework for adding a new asset class

Create a decision framework and policy checklist for adding a new asset class to my portfolio.

name: managing-long-term-investment-policy description: Defines and maintains long-term investment policy guardrails. Use when the user asks for portfolio discipline, rebalancing rules, risk limits, or decision frameworks for multi-year investing.

Managing Long-Term Investment Policy

When to use this skill

When the user wants a long-horizon investing framework.
When decisions need consistency across market cycles.
When emotion-driven decision risk needs guardrails.

Workflow

Plan

Define objective, time horizon, liquidity needs, and risk tolerance.
Define policy structure before discussing specific securities.

Validate

Confirm constraints are explicit (drawdown tolerance, max position size, diversification rules).
Confirm assumptions are realistic for the stated horizon.

Execute

Draft a policy checklist and decision rubric.
Define rebalancing and monitoring cadence.
Define "do not violate" rules.

Instructions

Prioritize process quality over short-term prediction.
Require decision logs for thesis changes.
Include base rules:
- Position sizing limits
- Rebalance bands and cadence
- Thesis invalidation criteria
- Maximum leverage or debt exposure constraints
Force pre-mortem and downside scenarios before large allocation changes.

Policy checklist

[ ] Time horizon defined
[ ] Risk budget defined
[ ] Allocation rules defined
[ ] Rebalancing rules defined
[ ] Thesis update protocol defined
[ ] Behavioral guardrails defined

Output template

## Long-Term Investment Policy

### Objective and Horizon
- Objective: ...
- Horizon: ...

### Risk and Allocation Rules
- Max position size: ...
- Target allocation bands: ...
- Max drawdown tolerance: ...

### Rebalancing Rules
- Cadence: ...
- Trigger bands: ...

### Thesis Governance
- Required evidence to add/increase: ...
- Invalidation triggers: ...
- Exit or reduce rules: ...

Error handling

If objectives and risk tolerance conflict, stop and request prioritization.
If user asks for policy-breaking action, flag violation and present compliant alternative.
If data quality is weak, defer action and state required evidence.

Resources

valuing-company
analyzing-macro-regime
analyzing-business-quality

Gestion de la politique d'investissement long terme

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