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“Developing an IPS in a volatile market, or during major stories, is problematic,” Johnson said.

“The whole point of an IPS is to guide you through changing market conditions.”

If you don’t have an IPS at this point, don’t worry about developing one right now; experts advise against creating one while any long-term impacts of Trump’s tariffs play out.

The only time an IPS should be changed, he said, is if your circumstances changed after a divorce or some other major life event.

And if you have an IPS, don’t touch it, Johnson said.