curl --request PUT \
  --url https://service.bluumfinance.com/v1/wealth/accounts/{account_id}/investment-policy \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "risk_profile": {
    "risk_tolerance": "moderate",
    "risk_score": 6,
    "volatility_tolerance": "medium"
  },
  "time_horizon": {
    "years": 15,
    "category": "long_term"
  },
  "investment_objectives": {
    "primary": "capital_appreciation",
    "secondary": [
      "income_generation",
      "tax_efficiency"
    ],
    "target_annual_return": "7.00"
  },
  "target_allocation": {
    "equities": {
      "target_percent": "50.00",
      "min_percent": "40.00",
      "max_percent": "60.00",
      "sub_allocations": {
        "us_large_cap": "30.00",
        "us_small_cap": "10.00",
        "international": "10.00"
      }
    },
    "fixed_income": {
      "target_percent": "25.00",
      "min_percent": "20.00",
      "max_percent": "30.00"
    },
    "treasury": {
      "target_percent": "20.00",
      "min_percent": "15.00",
      "max_percent": "25.00"
    },
    "alternatives": {
      "target_percent": "5.00",
      "min_percent": "0.00",
      "max_percent": "10.00"
    }
  },
  "constraints": {
    "liquidity_requirements": {
      "minimum_cash_percent": "5.00",
      "emergency_fund_months": 6
    },
    "tax_considerations": {
      "tax_loss_harvesting": true,
      "tax_bracket": "24",
      "prefer_tax_advantaged": true
    },
    "restrictions": {
      "excluded_sectors": [
        "tobacco",
        "gambling"
      ],
      "no_individual_stocks": true,
      "esg_screening": true,
      "esg_criteria": [
        "environmental",
        "social"
      ]
    },
    "rebalancing_policy": {
      "frequency": "quarterly",
      "threshold_percent": "5.00",
      "tax_aware": true
    }
  },
  "effective_date": "2025-01-15"
}
'

{
  "ips_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "account_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "version": 123,
  "risk_profile": {
    "risk_tolerance": "conservative",
    "risk_score": 5,
    "volatility_tolerance": "low"
  },
  "time_horizon": {
    "years": 25,
    "category": "short_term"
  },
  "investment_objectives": {
    "primary": "capital_preservation",
    "secondary": [
      "capital_preservation"
    ],
    "target_annual_return": "7.00"
  },
  "target_allocation": {
    "equities": {
      "target_percent": "50.00",
      "min_percent": "40.00",
      "max_percent": "60.00"
    },
    "fixed_income": {
      "target_percent": "25.00",
      "min_percent": "20.00",
      "max_percent": "30.00"
    },
    "treasury": {
      "target_percent": "20.00",
      "min_percent": "15.00",
      "max_percent": "25.00"
    },
    "alternatives": {
      "target_percent": "5.00",
      "min_percent": "0.00",
      "max_percent": "10.00"
    }
  },
  "constraints": {
    "liquidity_requirements": {
      "minimum_cash_percent": "5.00",
      "emergency_fund_months": 6
    },
    "tax_considerations": {
      "tax_loss_harvesting": false,
      "tax_bracket": "24",
      "prefer_tax_advantaged": true
    },
    "restrictions": {
      "excluded_sectors": [
        "tobacco",
        "gambling"
      ],
      "excluded_securities": [
        "<string>"
      ],
      "no_individual_stocks": false,
      "esg_screening": false,
      "esg_criteria": [
        "environmental"
      ],
      "shariah_compliant": false
    },
    "rebalancing_policy": {
      "frequency": "quarterly",
      "threshold_percent": "5.00",
      "tax_aware": true
    }
  },
  "effective_date": "2023-12-25",
  "status": "draft",
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z"
}