Fund Buying Decision Pro

---

name: fund_buying_decision description: Parameterize and apply a Chinese mutual-fund buy, add, reduce, or hold strategy driven by price drawdown, recurring DCA, cash-pool management, and position limits. Use when Codex needs to maintain the strategy thresholds in SKILL.md, explain or simulate a daily decision, update the bundled Eastmoney-to-SQLite importer, or produce a detailed report for a fund such as 011598.

---

Fund Buying Decision

Overview

Use this skill to keep a reusable fund trading framework in one place. Prefer changing the parameter block below instead of rewriting numeric rules in prose.

Return one explicit action per decision cycle:

buy_dca

buy_dip

sell_take_profit

hold

skip_data_missing

If multiple actions trigger on the same day, prefer the risk-reducing action and keep the one-trade-per-day rule.

Strategy Parameters

Edit editable first. Keep fixed stable unless the strategy shape really changes.

strategy_parameters:
  editable:
    capital:
      initial_cash: 1000
      weekly_dca_amount: 100
      monthly_cash_pool_inflow: 1000
    scheduling:
      weekly_pretrade_reminder:
        weekday: monday
        time_local: "09:00"
      weekly_dca:
        weekday: tuesday
      weekly_trade_reminder:
        weekday: tuesday
        time_local: "09:30"
      monthly_cash_inflow:
        schedule_type: second_to_last_business_day
        day_of_month: null
      monthly_cash_inflow_reminder:
        schedule_type: second_to_last_business_day
        day_of_month: null
        time_local: "10:00"
    price_state:
      dip_thresholds_pct: [5, 10, 15]
      dip_base_buy_amounts: [100, 150, 200]
    take_profit:
      profit_thresholds_pct: [10, 20]
      profit_sell_ratios_pct: [10, 20]
    risk:
      max_position_ratio_pct: 80
      min_position_ratio_pct: 20
  fixed:
    universe:
      allowed_fund_types:
        - index_fund
        - equity_fund
      disallowed_fund_types:
        - bond_fund
        - money_market_fund
    capital:
      fee_rate_source: fund_current_rate
    scheduling:
      trade_cutoff_local_time: "15:00"
      backtest_execution_mode: next_trading_day
      max_trades_per_day: 1
    price_state:
      recent_high_lookback_trading_days: 20
      min_trading_days_between_adds: 5

Parameter Groups

Use these two buckets when maintaining the strategy:

editable

capital.initial_cash capital.weekly_dca_amount capital.monthly_cash_pool_inflow scheduling.weekly_pretrade_reminder.weekday scheduling.weekly_pretrade_reminder.time_local scheduling.weekly_dca.weekday scheduling.weekly_trade_reminder.weekday scheduling.weekly_trade_reminder.time_local scheduling.monthly_cash_inflow.schedule_type scheduling.monthly_cash_inflow.day_of_month scheduling.monthly_cash_inflow_reminder.schedule_type scheduling.monthly_cash_inflow_reminder.day_of_month scheduling.monthly_cash_inflow_reminder.time_local price_state.dip_thresholds_pct price_state.dip_base_buy_amounts take_profit.profit_thresholds_pct take_profit.profit_sell_ratios_pct risk.max_position_ratio_pct risk.min_position_ratio_pct

fixed

universe.allowed_fund_types universe.disallowed_fund_types capital.fee_rate_source scheduling.trade_cutoff_local_time scheduling.backtest_execution_mode scheduling.max_trades_per_day price_state.recent_high_lookback_trading_days price_state.min_trading_days_between_adds

State Boundary

Treat SKILL.md as strategy configuration only. Do not store live account state in this file.

SKILL.md is the source of truth for strategy rules, thresholds, schedules, and default initialization values.

SQLite is the source of truth for live account state and history.

Real account fields such as cash_pool, position_units, avg_cost_price, account_id, and executed trades must live in the database, not in SKILL.md.

capital.initial_cash is only the default starting amount used when initializing a new strategy account.

It is not the current live cash balance after trading starts.

After an account exists, update live state only through:

python {baseDir}/scripts/manage_strategy_account.py ... python {baseDir}/scripts/record_strategy_trade.py ... python {baseDir}/scripts/confirm_strategy_action.py ...

Do not edit capital.initial_cash in SKILL.md to reflect a new live balance.

If the user adds cash or changes holdings, write that change to SQLite instead.

Required Inputs

Do not invent missing inputs. If a required field is unavailable, return skip_data_missing and explain what is missing.

Required runtime inputs:

fund_code

current_price

cost_price

cash_pool

position_value

recent_high

today

trade_time_local

last_add_trade_date

is_weekly_dca_day

is_monthly_cash_inflow_day

Derived values:

total_asset = cash_pool + position_value

position_ratio = position_value / total_asset

drawdown_pct = (recent_high - current_price) / recent_high * 100

profit_pct = (current_price - cost_price) / cost_price * 100

effective_fee_rate_pct = imported fund current_rate when available

Daily Workflow

1. Refresh or read fund data. For Eastmoney price data, run python {baseDir}/scripts/import_eastmoney_pingzhongdata.py 011598 or replace 011598 with another fund code. 2. If today and the current local time match the configured weekly_pretrade_reminder, issue the weekly pretrade reminder. 3. If today and the current local time match the configured weekly_trade_reminder, issue the trading reminder and then evaluate the strategy. 4. If today and the current local time match the configured monthly_cash_inflow_reminder, remind the user to add the monthly cash inflow. 5. Record the monthly cash inflow only after it is actually added to cash_pool. Use python {baseDir}/scripts/record_strategy_trade.py 011598 --trade-type cash_inflow --gross-amount 1000. 6. Update current_price, recent_high, total_asset, and position_ratio. 7. Evaluate take-profit rules first when both buy and sell could trigger on the same day. 8. Evaluate dip-buy rules only if the add-spacing rule is satisfied and cash is available. 9. Evaluate weekly DCA only if no higher-priority trade was selected. 10. Re-check max and min position limits after sizing the candidate trade. 11. Execute at the configured cutoff rule. For backtests, prefer next_trading_day execution to avoid future leakage.

Scheduling Rules

weekly_pretrade_reminder.weekday and weekly_pretrade_reminder.time_local control the weekly pretrade reminder schedule.

weekly_trade_reminder.weekday and weekly_trade_reminder.time_local control the weekly trade reminder schedule.

weekly_dca.weekday controls which weekday counts as the DCA trading day.

monthly_cash_inflow.schedule_type controls the monthly cash-inflow date used by the strategy state.

monthly_cash_inflow_reminder.schedule_type and monthly_cash_inflow_reminder.time_local control the monthly reminder trigger.

Supported monthly schedule_type values are:

- second_to_last_business_day - last_business_day - day_of_month

When schedule_type = day_of_month, fill day_of_month with an integer such as 15 or 28.

Decision Rules

DCA

Use weekly_dca_amount as the fixed recurring DCA amount.

Size the actual DCA as min(weekly_dca_amount, cash_pool).

Skip DCA if there is already a higher-priority trade on the same day.

Dip Buy

Compute drawdown_pct from recent_high.

Use only the deepest triggered threshold from dip_thresholds_pct.

Map that threshold to the aligned base amount in dip_base_buy_amounts.

Size the actual buy as the minimum of:

- base buy amount - available cash_pool - remaining room under max_position_ratio_pct

Reject the dip buy if the last add trade is within min_trading_days_between_adds.

Take Profit

Use only the highest triggered threshold from profit_thresholds_pct.

Map that threshold to the aligned sell ratio in profit_sell_ratios_pct.

Size the actual sell so the post-trade position ratio does not go below min_position_ratio_pct.

Send sell proceeds back into cash_pool.

Position And Cash Controls

Keep all buys funded by cash_pool.

Keep monthly inflows and sell proceeds inside cash_pool.

Never exceed max_position_ratio_pct.

Never reduce below min_position_ratio_pct.

Include the imported fund current_rate in trade sizing when the user requires fees.

Fund Detail Reporting

Use python {baseDir}/scripts/report_fund_details.py 011598 --refresh to fetch and summarize a fund.

Include the latest available fund identity, fee rate, minimum subscription, net worth, recent 20-trading-day high, drawdown, return metrics, stock-position estimate, manager information, asset allocation, holder structure, and top holdings.

If local data is missing, allow the reporting script to refresh the SQLite database first.

Drawdown Alerts

Use python {baseDir}/scripts/check_fund_alert.py 004475 to check drawdown alerts against the configured dip_thresholds_pct tiers in SKILL.md.

To override the default tiers at runtime, repeat --threshold-pct, for example:

python {baseDir}/scripts/check_fund_alert.py 004475 --threshold-pct 5 --threshold-pct 10 --threshold-pct 15

This script only computes the alert state and returns structured output.

Do not implement email or Feishu delivery inside this skill.

If the user wants delivery, hand the alert result to the dedicated notification skill instead.

Strategy Runtime Commands

Default SQLite location:

~/.fund_buying_decision/fund_buying_decision.db

Use --db ~/.fund_buying_decision/.db when you want a separate database file for another account set or experiment.

Initialize or overwrite the stored account state:

python {baseDir}/scripts/manage_strategy_account.py upsert 011598 --account-id main --cash-pool 1000 --position-units 0 --fund-type equity_fund

Record a real cash flow or manual trade:

python {baseDir}/scripts/record_strategy_trade.py 011598 --account-id main --trade-type cash_inflow --gross-amount 1000

Generate reminders and evaluate the strategy:

python {baseDir}/scripts/evaluate_strategy.py 011598 --account-id main --refresh

Confirm and execute the currently suggested strategy trade only after the user agrees:

python {baseDir}/scripts/confirm_strategy_action.py 011598 --account-id main --refresh --expected-action buy_dca

Check whether a drawdown alert is triggered:

python {baseDir}/scripts/check_fund_alert.py 004475

References To Load

references/strategy_parameters.md

Use when revising thresholds, clarifying formulas, or resolving ambiguous parameter choices.

references/data_inputs.md

Use when working with the SQLite importer, mapping database tables to strategy inputs, planning the next strategy-state tables, or assembling a fund detail report.