@v587d/capital-generation 2.7.3 → 2.7.4

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/wealth-management/skills/china-investment-proposal/SKILL.md

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+---
+name: china-investment-proposal
+description: Draft investment proposals for Chinese wealth management clients. Creates structured proposals with investment rationale, product recommendations, and risk disclosures. Adapted from the original investment-proposal skill for A-share products and Chinese regulatory requirements. Triggers on "A股投资建议书", "投资方案", "investment proposal China", "proposal for [client]", "investment recommendation A-share", or "build investment proposal".
+---
+
+# china-investment-proposal
+
+## Purpose
+
+Create professional **A股财富管理投资建议书** — structured proposals for Chinese wealth management clients.
+
+## Data Sources
+
+### Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
+
+```python
+get_index_data("000001")              → Market context
+get_index_data("399006")              → ChiNext context
+get_quote(ticker)                     → Security analysis
+get_fund_data(fund_code)              → Fund analysis
+get_industry_stocks(industry="...")    → Sector analysis
+```
+
+### Secondary Sources
+- Portfolio management system
+- Research team — market outlook
+- Product providers — fund/insurance data
+
+## Workflow
+
+### Step 1: Understand Client Needs
+
+**Discovery questions:**
+
+1. **Investment objective**: 保值增值 / 稳健增值 / 积极增值 / 收入型
+2. **Time horizon**: 短期(<1年) / 中期(1-5年) / 长期(>5年)
+3. **Risk tolerance**: 保守 / 稳健 / 积极 / 激进
+4. **Liquidity needs**: 高 / 中 / 低
+5. **Special considerations**: 税务, 遗产, 慈善, etc.
+
+### Step 2: Market & Strategy Overview
+
+**Current market assessment:**
+
+```
+市场展望 [Period]
+
+一、宏观经济
+   [GDP, policy, rates outlook]
+
+二、权益市场
+   - 估值水平: 沪深300 PE [Xx] (历史[X]%分位)
+   - 资金面: 北向资金, 两融余额
+   - 情绪指标: [Index]
+
+三、行业配置观点
+   超配 (Overweight): [Sectors] — [Rationale]
+   标配 (Neutral): [Sectors]
+   低配 (Underweight): [Sectors] — [Rationale]
+
+四、风险提示
+   [Key risks]
+```
+
+### Step 3: Investment Strategy
+
+**Strategy design:**
+
+| Component | Allocation | Rationale |
+|-----------|-----------|-----------|
+| A股权益 | XX% | Growth engine |
+| 基金 (主动) | XX% | Professional management |
+| 基金 (指数) | XX% | Low-cost beta |
+| 债券/固收+ | XX% | Stability, income |
+| 现金/货币基金 | XX% | Liquidity |
+| 另类 (REITs, 黄金) | XX% | Diversification |
+
+**A-share equity allocation:**
+
+| Sector | Weight | Thesis |
+|--------|--------|--------|
+| 消费 | XX% | [Rationale] |
+| 科技 | XX% | [Rationale] |
+| 医药 | XX% | [Rationale] |
+| 金融 | XX% | [Rationale] |
+| 新能源 | XX% | [Rationale] |
+| 其他 | XX% | [Rationale] |
+
+### Step 4: Product Recommendations
+
+**Recommended securities:**
+
+| # | Type | Security | Ticker | Allocation | Rationale | Risk Level |
+|---|------|----------|--------|-----------|-----------|------------|
+| 1 | A股个股 | | | | | |
+| 2 | 主动基金 | | | | | |
+| 3 | 指数基金 | | | | | |
+| 4 | 债券/理财 | | | | | |
+| 5 | 现金管理 | | | | | |
+
+**For each recommendation:**
+- Investment thesis (3-5 bullet points)
+- Expected return range
+- Risk assessment
+- Suitable for client profile
+- Minimum investment
+- Liquidity terms
+
+### Step 5: Risk Assessment & Disclosure
+
+**Risk factors (standard Chinese disclosures):**
+
+```
+风险揭示
+
+一、市场风险
+   投资有风险, 入市需谨慎。本投资方案涉及A股市场投资,
+   股票价格可能因市场因素大幅波动。
+
+二、流动性风险
+   部分投资品可能存在流动性限制, 赎回/卖出可能受
+   市场流动性影响。
+
+三、政策风险
+   国家政策、行业监管变化可能影响投资组合表现。
+
+四、信用风险
+   固定收益类产品存在发行人信用风险。
+
+五、汇率风险
+   [If applicable]
+
+六、其他风险
+   [Product-specific risks]
+```
+
+**Risk level match:**
+- Conservative (保守型): 低风险产品为主, 权益<30%
+- Balanced (稳健型): 中等风险, 权益30-60%
+- Growth (积极型): 较高风险, 权益60-90%
+- Aggressive (激进型): 高风险, 权益>90%
+
+### Step 6: Expected Returns & Scenarios
+
+**Return scenarios:**
+
+| Scenario | Probability | Expected Return | Portfolio Value (3Y) |
+|-----------|-------------|----------------|---------------------|
+| 乐观 | 25% | +XX% | ¥XXX万 |
+| 中性 | 50% | +X% | ¥XXX万 |
+| 悲观 | 25% | -X% | ¥XXX万 |
+
+### Step 7: Implementation Plan
+
+**Implementation steps:**
+
+| Step | Action | Timeline |
+|------|--------|----------|
+| 1 | 方案确认 | [Date] |
+| 2 | 账户开立/激活 | [Date] |
+| 3 | 建仓 (首批建仓) | [Date] |
+| 4 | 分批建仓 (如需) | [Date range] |
+| 5 | 首次复核 | [Date] |
+
+**建仓策略:**
+- 一次性建仓: 适合积极型, 市场低点
+- 分批建仓: 适合稳健型, 降低择时风险
+- 定投: 适合长期投资, 平滑成本
+
+### Step 8: Monitoring & Review
+
+**Review schedule:**
+
+| Review Type | Frequency | Content |
+|-------------|-----------|---------|
+| 日常监控 | Daily | Market alerts, significant moves |
+| 月度回顾 | Monthly | Performance, attribution |
+| 季度复盘 | Quarterly | Full review, rebalancing |
+| 年度规划 | Annual | Goal review, strategy update |
+
+### Step 9: Proposal Document
+
+**Standard proposal format:**
+
+```
+【投资建议书】
+客户名称：[Name]
+风险等级：[R1-R5]
+投资期限：[X年]
+建议日期：[Date]
+
+一、客户需求分析
+   [Goals, constraints, preferences]
+
+二、市场展望
+   [Current market assessment]
+
+三、投资策略
+   [Allocation strategy with rationale]
+
+四、产品推荐
+   [Detailed recommendations]
+
+五、风险评估
+   [Risk factors, suitability assessment]
+
+六、预期表现
+   [Return scenarios]
+
+七、实施方案
+   [Implementation plan]
+
+八、后续服务
+   [Review schedule, monitoring]
+
+九、声明
+   [Standard regulatory disclaimers]
+
+客户签字：_________ 日期：_________
+理财师签字：_________ 日期：_________
+```
+
+## China-Specific Considerations
+
+### Suitability (适当性管理)
+
+**China regulatory requirements:**
+- 风险等级匹配: Product risk ≤ Client risk tolerance
+- 投资者分类: 普通投资者 / 专业投资者
+- 信息披露: Full and fair disclosure
+- 冷静期: Cooling-off period for certain products
+- 录音录像: Recording for in-person sales
+
+### Common Investment Products (China)
+
+| Product | Risk | Return | Liquidity |
+|---------|------|--------|-----------|
+| 银行理财 | Low | 2-4% | Medium |
+| 货币基金 | Low | 1.5-2.5% | High |
+| 国债 | Very low | 2-3% | Medium |
+| 企业债 | Low-Medium | 3-5% | Medium |
+| A股个股 | High | Variable | Medium |
+| 主动基金 | Medium-High | Variable | Medium |
+| 指数基金/ETF | Medium | Variable | High |
+| 私募基金 | High | Variable | Low |
+| 信托 | Medium-High | 5-8% | Low |
+| 保险产品 | Low-Medium | Guaranteed + bonus | Low |
+
+### Client Segmentation
+
+| Type | Profile | Strategy |
+|------|---------|----------|
+| 保守型 | Risk-averse, capital preservation focus | Bonds, money market, blue chips |
+| 稳健型 | Balanced, moderate growth | Balanced allocation, dividend stocks |
+| 积极型 | Growth-oriented, can tolerate volatility | Growth stocks, sector funds |
+| 激进型 | High risk tolerance, return-seeking | Small-caps, thematic, alternatives |
+
+## Quality Checks
+
+Before delivering:
+- [ ] Client profile understood
+- [ ] Allocation aligned with risk tolerance
+- [ ] Products suitable and available
+- [ ] Risk disclosures complete
+- [ ] Expected returns realistic
+- [ ] Implementation plan clear
+- [ ] Regulatory disclosures included
+> **Data Source Mode Switch**: Set env var `IFIND_DATA_SOURCE_MODE` to control data source preference.
+> - `ifind-only` (strict): Use iFind only, error if unavailable
+> - `ifind-fallback` (default): iFind preferred, fallback to AkShare
+> - `akshare-only, wind-only (Wind only), wind-fallback (Wind first, fallback to iFind → AkShare)`: Skip iFind, use AkShare only

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/wealth-management/skills/china-portfolio-rebalance/SKILL.md

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+---
+name: china-portfolio-rebalance
+description: Portfolio rebalancing analysis for A-share wealth management portfolios. Analyzes allocation drift, generates rebalancing trades, and optimizes for tax efficiency. Adapted from the original portfolio-rebalance skill for Chinese portfolios. Triggers on "A股组合再平衡", "调仓", "rebalance China", "portfolio rebalance A-share", "rebalance portfolio", or "adjust allocation [client]".
+---
+
+# china-portfolio-rebalance
+
+## Purpose
+
+Perform **A股投资组合再平衡** — analyze allocation drift, generate rebalancing recommendations, and optimize trade execution.
+
+## Data Sources
+
+### Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
+
+```python
+get_quote(ticker)                     → Current prices for holdings
+get_historical_data(ticker)           → Tax lot / cost basis context
+```
+
+### Secondary Sources
+- Portfolio management system
+- Wind / Choice — market data
+- Tax rules — A-share tax treatment
+
+## Workflow
+
+### Step 1: Current Allocation
+
+**Portfolio snapshot:**
+
+| Asset Class | Target % | Current % | Drift | Market Value | Action |
+|-------------|----------|-----------|-------|--------------|--------|
+| | | | | | |
+
+**Within A-share equity:**
+
+| Sector | Target | Current | Drift | Action |
+|--------|--------|---------|-------|--------|
+| 消费 | XX% | XX% | ±X% | Buy/Sell/Hold |
+| 科技 | XX% | XX% | ±X% | Buy/Sell/Hold |
+| 医药 | XX% | XX% | ±X% | Buy/Sell/Hold |
+| 金融 | XX% | XX% | ±X% | Buy/Sell/Hold |
+| 新能源 | XX% | XX% | ±X% | Buy/Sell/Hold |
+| 其他 | XX% | XX% | ±X% | Buy/Sell/Hold |
+
+### Step 2: Identify Drift
+
+**Drift thresholds:**
+
+| Drift Level | Action |
+|-------------|--------|
+| ±2% | Monitor, no action |
+| ±3-5% | Consider rebalancing |
+| ±5%+ | Rebalance recommended |
+
+**Drift causes:**
+- Market price movements
+- Dividend reinvestment
+- Previous trades
+- Cash flows (contributions/withdrawals)
+
+### Step 3: Generate Rebalancing Trades
+
+**Rebalancing logic:**
+
+| Situation | Action |
+|-----------|--------|
+| Sector overweight + price up | Trim position |
+| Sector underweight + price down | Add to position |
+| Overweight + price down | Monitor (may converge) |
+| Underweight + price up | Monitor (may converge) |
+
+**Trade list:**
+
+| Action | Ticker | Security | Current % | Target % | Trade Amount | Est. Shares |
+|--------|--------|----------|-----------|----------|-------------|------------|
+| Buy | | | | | | |
+| Sell | | | | | | |
+| Hold | | | | | | |
+
+### Step 4: Tax Considerations
+
+**A-share tax treatment:**
+
+| Item | Tax Rate | Notes |
+|------|----------|-------|
+| 股票买卖价差 | 暂免 (temporarily exempt) | Capital gains on stocks |
+| 股息红利 | 20% (持股>1年减半/免征) | Dividend tax |
+| 基金分红 | 暂免 (some funds) | Fund distributions |
+| 买卖印花税 | 0.05% (seller only) | Stamp duty |
+
+**Tax-loss harvesting opportunities:**
+
+| Position | Cost Basis | Current Value | Unrealized Loss | Tax Benefit |
+|----------|-----------|--------------|-----------------|-------------|
+| | | | | |
+
+**Tax-efficient selling:**
+- Prioritize selling positions with losses
+- Consider holding period for dividend tax
+- Batch sales to minimize stamp duty impact
+
+### Step 5: Execution Plan
+
+**Trade sequencing:**
+
+| Priority | Trade | Rationale |
+|----------|-------|-----------|
+| 1 | | Tax loss harvesting |
+| 2 | | Largest drift correction |
+| 3 | | Smaller adjustments |
+
+**Execution considerations:**
+- Market impact (liquidity)
+- Trading costs (commissions, stamp duty)
+- Market timing (volatility)
+- Block trading for large positions
+
+### Step 6: Rebalancing Report
+
+**Standard rebalancing report:**
+
+```
+【组合再平衡报告】[Client] [Date]
+
+一、当前配置 vs 目标配置
+   [Allocation table with drift]
+
+二、再平衡建议
+   [Trade list]
+
+三、税务影响
+   [Tax implications]
+
+四、执行计划
+   [Sequencing and timing]
+
+五、预期效果
+   [Projected post-rebalance allocation]
+```
+
+## China-Specific Rebalancing Considerations
+
+### A-share Market Characteristics
+
+| Factor | Rebalancing Implication |
+|--------|------------------------|
+| 涨跌停限制 | May prevent immediate rebalancing |
+| T+1 settlement | Trade settlement timeline |
+| 印花税 | 0.05% on sell side |
+| 佣金 | Varies by broker (typically 0.02-0.03%) |
+| 最低手续费 | Minimum commission threshold |
+
+### Tax-Loss Harvesting (A-share)
+
+**China-specific TLH:**
+- Capital gains on stocks: currently tax-exempt (暂免)
+- Losses: can offset gains within the same asset class
+- 股息红利 tax: 20%, reduced to 10% for >1 year holding, 0% for >1 year (recent changes)
+- Fund distributions: tax treatment varies by fund type
+
+### Common Rebalancing Triggers
+
+| Trigger | Frequency | Action |
+|---------|-----------|--------|
+| Calendar rebalancing | Quarterly/Semi-annual | Systematic rebalance |
+| Drift threshold | When ±5% | Opportunistic rebalance |
+| Cash inflow | As received | Deploy to underweights |
+| Client request | Ad-hoc | Targeted rebalance |
+| Tax planning | Year-end | Harvest losses, reset cost basis |
+
+## Quality Checks
+
+Before executing:
+- [ ] Allocations calculated correctly
+- [ ] Trades aligned with policy
+- [ ] Tax implications assessed
+- [ ] Trading costs estimated
+- [ ] Client approval obtained
+- [ ] Execution plan sequenced
+
+After rebalancing:
+- [ ] Trades confirmed
+- [ ] Allocation updated
+- [ ] Tax lots recorded
+- [ ] Client notified
+> **Data Source Mode Switch**: Set env var `IFIND_DATA_SOURCE_MODE` to control data source preference.
+> - `ifind-only` (strict): Use iFind only, error if unavailable
+> - `ifind-fallback` (default): iFind preferred, fallback to AkShare
+> - `akshare-only`: Skip iFind, use AkShare only