01 The mandate · Strategy

Write down the plan before the market tests you.

Investboard Strategy turns intentions into a mandate: rules, bands, cooling-off and scenarios with German tax logic. So the plan exists before pressure arrives.

Binding rulebookSelf-chosen cooling-offTax scenarios

Evidence

IPS

Objective, horizon, risk and target allocation are captured as a mandate.

Documented

Alignment

Portfolio, bands and behavior are read against that mandate.

Measurable

Cooling-off

Strategy edits get friction before they take effect.

Self-chosen

Short answer

Strategy is the mandate before the decision.

Investboard Strategy turns your investing principles into a documented mandate. It measures whether allocation, bands, goals and behavior still fit, and adds friction between impulse and change. It reads and frames; it does not execute orders.

01Investment Policy Statement with objective, risk, bands and crisis rules.
02Cooling-off for changes that should not happen in the heat of the moment.
03FIRE and Monte Carlo scenarios with German tax logic.

Eight questions, one binding rulebook.

The Investment Policy Statement walks you through eight questions: objective, horizon, risk, target allocation, bands and crisis behavior. The result is not a PDF for a drawer but a mandate everything else is measured against.

Target allocation & bands: You set target weights and tolerance bands. Investboard shows when the portfolio leaves them.
Plan alignment: A figure per dimension measures closeness to the mandate, not the daily return. With no evidence base, the row stays honestly empty.
Investment brief: Your mandate as a readable document that records what is enforced and what is only documented.

Rules that hold when it counts.

Good intentions break in the heat of the moment. So Investboard checks your own rules against real signals and, if you wish, places a cooling-off period between impulse and change.

Mandate rules: If-then commitments on drawdowns, drift or concentration, checked against the same signals as your notifications.
Cooling-off: Three self-chosen levels: documented only, gentle friction with a short reflection, or a firm 72-hour lock.
Crisis capsule: In a severe drawdown, your own pre-written note to a calmer self appears. No call to action.

Set goals. Run scenarios. Direct contributions.

Where the plan leads cannot be promised, only computed: on the basis of available data and with the German tax burden, not as a gross estimate.

Goals & FIRE: Progress against your goals, plus five FIRE variants whose target sum accounts for the later withdrawal tax.
Monte Carlo: A thousand paths with annual Vorabpauschale and the saver's allowance in the model. A range, not a forecast.
Investment plan & rebalancing: Contributions flow into underweight classes, the variant chosen by allowance headroom. Sell plans are tax-aware and stay a draft: execution happens at your broker.

The mandate

Your mandate needs no perfect markets, only a beginning.

Investboard reads and frames. Nothing is executed.

What is included

Three mandate rules on Free, unlimited from Pro. Autopilot plans: one on Pro, unlimited on Premium. All figures without guarantee, not investment advice.

FAQ

What is an investment mandate in Investboard?

An investment mandate is your own rulebook for the portfolio: objective, time horizon, risk, target allocation, tolerance bands and conduct in difficult market phases. Investboard makes that mandate visible and later checks whether the portfolio still fits it.

Does Investboard execute rebalancing automatically?

No. Investboard can show rebalancing drafts and contribution suggestions, but it does not execute transactions. Execution remains with you and your broker.

Are FIRE and Monte Carlo scenarios forecasts?

No. The scenarios show ranges based on assumptions and available data. They are planning aids, not forecasts and not investment advice.