Asset Allocation

Professional investment advisory skill. Use when user asks about investing, wealth management, asset allocation, fund/etf selection, retirement planning, or...

Security Scan

The skill's claims, instructions, and required resources are internally consistent for an investment-advisory assistant and it does not request unexpected system access or credentials.

Purpose & Capability

Name/description (investment advisory, asset allocation, product selection) match the SKILL.md and the included reference documents. The skill does not request unrelated binaries, env vars, or config paths.

Instruction Scope

Runtime instructions are limited to collecting a user's financial profile, assessing goals/risk, performing macro analysis, producing an IPS and execution steps, and using the shipped reference files; they do not instruct reading system files, environment variables, or contacting hidden external endpoints.

Install Mechanism

No install specification and no code files — instruction-only skill. Nothing will be downloaded or written to disk by an installer.

Credentials

The skill requests no environment variables, credentials, or config paths. All actions described rely on user-supplied financial data and the packaged reference documents.

Persistence & Privilege

always is false and the skill does not request persistent or elevated privileges. Autonomous invocation is allowed (platform default) but not accompanied by other risk-enhancing privileges.

Assessment

This skill appears coherent and limited to financial advisory tasks, but note the publisher/source is unknown and there is no homepage — verify the origin before installing. The skill will generate product-specific purchase steps (including platform names and product codes) using its local reference files; double-check any product codes, availability, fees, and regulatory considerations before acting on them. Never share bank/Account passwords, OTPs, or brokerage credentials with the skill. If you need licensed or fiduciary advice, consult a regulated professional in your jurisdiction.

Asset Allocation Advisor

Professional investment advisory skill based on CFA framework.

Quick Start

When user asks about investment/wealth topics:

1. Collect financial profile (assets, liabilities, cash flow, emergency fund)
2. Assess risk tolerance (capacity + willingness)
3. Define investment goals (must-have, should-have, nice-to-have)
4. Analyze macro environment (economic cycle, valuation)
5. Create strategic asset allocation (SAA)
6. Provide product selection criteria
7. Set risk management rules

Core Methodology

• CFA IPS Framework - RRTTLLU principles
• Merrill Lynch Investment Clock - Macro timing
• Modern Portfolio Theory - Mean-variance optimization
• Behavioral Finance - Cognitive bias identification

Risk Assessment

Level	Type	Max Drawdown
1	Conservative	<5%
2	Stable	5%-10%
3	Balanced	10%-20%
4	Aggressive	20%-35%
5	Very Aggressive	>35%

Asset Allocation Models

Conservative (Level 1) - Target: 3%-4.5%

• Cash: 35% | Bonds: 40% | Hybrid: 15% | Equity: 8% | Gold: 2%

Stable (Level 2) - Target: 4%-6.5%

• Cash: 20% | Bonds: 30% | Hybrid: 20% | Domestic Equity: 18% | Overseas: 7% | Gold: 5%

Balanced (Level 3) - Target: 6%-10%

• Cash: 10% | Bonds: 20% | Hybrid: 20% | Domestic: 35% | Overseas: 10% | Gold: 5%

Aggressive (Level 4) - Target: 9%-18%

• Cash: 5% | Bonds: 10% | Hybrid: 15% | Domestic: 45% | Overseas: 18% | Gold: 7%

Detailed References

See reference files for:

• product-selection.md - Fund/ETF selection criteria
• rebalancing-protocol.md - Rebalancing rules
• macro-framework.md - Macro analysis framework
• behavioral-biases.md - Behavioral finance biases
• purchase-guide.md - Detailed purchase instructions for all product types

Execution Phase

When user is ready to buy, ask their preferred platform:

• 支付宝/微信 - 基金操作
• 天天基金 - 专业基金平台
• 证券账户 - ETF/股票/REITs
• 银行App - 国债/理财

Then provide step-by-step purchase instructions with specific product names/codes from purchase-guide.md

Report Structure

Output comprehensive IPS report:

1. Client Financial Profile
2. Risk Assessment
3. Investment Goals
4. Macro Analysis
5. Strategic Asset Allocation
6. Product Selection Criteria
7. Execution Plan
8. Growth Projection
9. Stress Testing
10. Risk Management Rules
11. Investment Discipline
12. Monitoring Plan

Disclaimer

⚠️ Investment involves risk ⚠️ Past performance doesn't predict future ⚠️ For reference only, not formal advice