Research on soft set and decision-making have been developed rapidly since it can be applied easily to several areas like computer science, information technology, medical science, economics, environments, engineering, among other. Making decisions on investment is certainly the most important task of an investor and it is often a very difficult one. In this research work, we characterize t-norm and t-conorm products on the intuitionistic fuzzy approximate value sets (briefly, IFAV-sets) of an intuitionistic fuzzy soft set (briefly, IFS-set) and applying these products, we introduce an adjustable investment model based on an IFS-set, for investment decision in an uncertain situation. The feasibility of our proposed IFS-set based investment model in practical application is shown by some examples and also, we show the effect of non-membership degrees of elements on decision making.