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🦀 ClawHub

Asset Allocation

by @codeblackhole1024

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

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📖 About This Skill

name: asset-allocation description: Professional investment advisory skill based on CFA framework. From financial diagnosis to portfolio rebalancing. Use when: users ask about investing, wealth management, fund/ETF selection, retirement planning, or asset allocation. Covers: risk assessment, goal-based planning, portfolio construction, product selection, and ongoing rebalancing.

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

    💡 Examples

    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