fund-fee-calc

资管费率净收益试算器 — 试算管理/托管/销售三费总成本与净收益，宣传含保本承诺即 FAIL（零依赖） 适用场景：当需要资管费率净收益试算器能力时使用本技能；触发词：fund-fee-calc。

凡自治之物 · LGD 治理学 · 创造术家族 ｜ 评测协议：见平台质量门禁规范

English

When to use

1. Before investing in a fund or asset-management product, when you need to precisely model how the three fees (management, custody, sales) affect final net value.
2. When screening financial product marketing materials for illegal wording such as "guaranteed principal", under zero-dependency compliance logic.
3. When an investor needs to compare actual take-home returns across fee structures to judge a product's real profitability.

Usage

1. Run python fund_fee_calc.py directly, or import the fund_fee_calc module for function calls.
2. Core inputs: principal, duration (holding days), fees (three-fee structure object) and marketing_terms (promotional copy).
3. If the marketing text contains keywords like "principal guarantee" or "rigid payment", the zero-dependency FAIL logic fires and refuses to compute net return.

Workflow

1. Gather info: prepare principal, holding period and the corresponding fee details.
2. Compliance screen: feed in the promotional copy / marketing content for a first-pass guarantee-of-principal risk check.
3. Trigger the script: run fund_fee_calc.py; compliance rules are validated first.
4. Output: the system returns the net-return value or a FAIL status code — no floor-return figures are ever output.
5. Cross-check: verify that the three-fee total covers expected returns; confirm the fee structure is reasonable.
6. Decision feedback: based on the trial calculation, generate compliant recommendations and a risk-warning list for the user.

Evidence & safety statement

• Evidence: TBD (no evaluation / badge link yet; update here once it is produced)
• Version: 1.0.1
• Security: no independent security scan has been performed (TBD); the conclusion is pending and no endorsement is given until it is completed.

中文

何时用

1. 在进行基金或资管产品投资前，需精确测算包含管理、托管及销售在内的三费总成本对最终净值的影响时。
2. 在评估金融产品营销材料中是否存在“保本承诺”等违规话术，且必须遵循零依赖合规逻辑的场景下。
3. 投资者需要对比不同费率结构下的实际到手收益，以判断产品真实盈利能力的财务分析场景中。

用法

1. 直接执行 python fund_fee_calc.py 脚本，或导入 fund_fee_calc 模块进行函数调用。
2. 核心输入参数包括：principal（本金）、duration（投资天数）、fees（三费结构对象）及 marketing_terms（宣传文案）。
3. 若检测到营销文本中包含保本、刚性兑付等关键词，将自动执行零依赖 FAIL 逻辑，拒绝计算净收益。

流程

1. 信息收集： 准备投资本金、持有期限及对应费率明细数据。
2. 合规筛查： 输入宣传文案或营销内容，进行保本承诺风险初筛。
3. 脚本触发： 通过 fund_fee_calc.py 执行计算逻辑，优先验证合规规则。
4. 结果输出： 系统返回净收益数值或 FAIL 状态码，不输出任何保底收益信息。
5. 交叉验证： 检查三费成本合计是否覆盖预期收益，确认费用结构合理性。
6. 决策反馈： 基于试算报告，向用户生成合规建议及风险提示清单。

证据与安全声明

• 证据：TBD（暂无评测/徽章链接；产生后在此更新实际链接）
• 版本：1.0.1
• 安全：未做独立安全扫描（TBD），结论待补；补全前不作推荐背书。