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The IAM Ascension Model · Phase 04
Financial Instruments
Deploy capital with intelligence.
Sophistication replaces speculation. Phase 4 arms you with the vocabulary and vehicles of serious wealth: index funds, dividend growers, bonds, tax-advantaged accounts, and thematic conviction plays — all sized to your risk profile.
I invest with a strategy — not a hunch.
Outcomes
- A written Investment Policy Statement
- A diversified 3–5 fund core portfolio
- Dividend and tax-advantaged sleeves active
Metrics that move you forward
- • Portfolio rebalanced quarterly
- • Fees under 0.20% weighted
- • No single position >10% of capital
Unlocks next: Reward Yourself
Action Plan
- 1.Write your Investment Policy Statement
Goals, allocation, rebalance rules, drawdown behavior — on one page.
- 2.Build a 3-fund core
Total US Market + Total International + Bonds. Or a target-date fund.
- 3.Add a dividend sleeve
SCHD, VYM, or DGRO for growing cash flow you can reinvest.