INVESTMENT POLICY STATEMENT: MR. JOÃO FERREIRA

PHX Capital crafted an investment Policy Statement for Mr. João Ferreira, targeting  300,000 euros in 20 years for his children´s education and retirement, with a stretch goal of 2million euros. To achieve this, a 12.2% growth rate is sought, with a moderately aggressive risk tolerance. The portfolio comprises 70% stocks, 25% bonds, 5% bonds, and 5% cash, prioritizing Environmental, Social, and Governance (ESG) factors. Short-term market movements inform stock adjustments, while long-term unpredictability is downplayed. Company valuation and ESG criteria guide stock selection, emphasizing diversification and long-term investment for risk management and return optimization.