What's the adjective for prudentialism? Here's the word you're looking for.
prudent
Sagacious in adapting means to ends; circumspect in action, or in determining any line of conduct; careful, discreet, sensible; -- opposed to rash; directed by prudence or wise forethought; evincing prudence;
“Mary made the prudent decision to leave what had been the family home for a house that would be easier to manage in new surrounds, and she reaped the benefits.”
“In times of scarcity, the most prudent strategy would be to protect the nest egg, especially if it is a diminishing resource.”
“He is so prudent in his choice of words, and so skilled in harmonizing his sentences and so apt and modest in his metaphors.”