Matematisk notation är ju alltid att föredra, men jag tänker att till och med en punktlista är en bra start… 
Här är ju en bra start saxat från Ben Carlson:
- What do I own and why do I own it?
- What types of investments won’t be placed in my portfolio and why?
- How does this portfolio and investment plan mesh with my personal risk profile and time horizon?
- Does my portfolio take into account my goals, desires, risk tolerance and financial circumstances?
- Have I done a good job getting to know my willingness, ability and need to take risk?
- Do I understand my core investment beliefs and how they apply to my situation?
- Do I have a process in place to make good decisions on my behalf on a regular basis?
There is a big difference between a collection of securities or funds in your portfolio and an actual investment plan.
There is a big difference between financial advice that sounds good in theory and financial advice that works in practice.
There is a big difference between short-term tactics and a long-term process.
There is a big difference between trying to outsmart the financial markets and trying to reach your financial goals.
There is a big difference between ‘What is the best investment strategy?’ and ‘What is the right investment strategy for me?’
And there is a big difference between managing money and managing investors.