Are you intentional with your saving and investing strategy? This question is relevant because investing is a critical tool that allows us to achieve our goals and objectives, so we ought to have a plan to ensure the application of our resources in a manner that aligns with our values and enables the attainment of our goals. Intentional investing means crafting a deliberate philosophy and sticking to it. Good investors will want to develop what is called an Investment Policy Statement (IPS) to help guide their decision making along the way. The IPS will remind them of their “why” and a good IPS will save lots of heartache along the way.