Investment Analyzer Skill
Give data-driven investment conclusions. Always end with ✅ BUY / ⚠️ INVESTIGATE / ❌ PASS.
Resource Locations
Standard Workflows
1. Analyze a Rental Property
- - Trigger: User shares a listing (address, price, estimated rent) or asks "should I buy X property"
- Process:
1. Collect: purchase price, estimated monthly rent, property taxes, address.
2. Run
scripts/analyze_property.py with the inputs.
3. Calculate: mortgage payment (20% down, current rate), cash flow, CoC, Cap Rate, GRM.
4. Factor in Quebec welcome tax, maintenance reserve, vacancy, insurance.
5. Compare result against thresholds in
references/criteria.md.
6. Present full breakdown +
conclusion.
2. Analyze an ETF
- - Trigger: User asks "is XEQT worth buying", "analyze VFV", or names a ticker
- Process:
1. Run
scripts/analyze_etf.py <TICKER> to fetch MER, returns, top holdings.
2. Calculate overlap with current TEC.TO holdings.
3. Compare historical return vs thresholds in
references/criteria.md.
4. Assess whether it improves portfolio diversification.
5. Present full breakdown +
conclusion.
3. ETF vs Real Estate — Where to Put the Money
- - Trigger: "should I invest in ETF or property", "where should I put $X", "compare ETF vs real estate"
- Process:
1. Clarify available capital (if not stated).
2. Run
scripts/compare_allocation.py with the capital amount.
3. Model both scenarios over the investment horizon using same capital base.
4. Apply after-tax adjustments (marginal rate ~46%, capital gains 50% inclusion).
5. State leverage effect explicitly.
6. Present side-by-side comparison +
conclusion.
4. Daily Property Scan
- - Trigger: "scan for properties", "帮我找投资房", "daily scan", "Centris scan"
- Process:
1. Run
scripts/scan_properties.py --city sherbrooke --min-price 280000 --max-price 550000.
2. Surface only ✅ BUY or ⚠️ INVESTIGATE listings with address, price, units, cash flow, cap rate, CoC, URL.
3. If Centris scraping fails, paste listing details manually and use
analyze_property.py.
5. DCA Advisor — How Much to Invest Each Paycheck
- - Trigger: "how much should I invest", "定投比例", "工资投多少", "DCA advice"
- Process:
1. Run
scripts/dca_advisor.py with current emergency fund, TFSA/RRSP room, LOC balance.
2. Priority: Emergency fund → TFSA (HXQ) → RRSP (HXQ) → LOC paydown → Down payment reserve → HXQ taxable.
3. Report exact dollar split per bucket and any flags.
Output Format
Each analysis must include: Key Metrics table, 2-3 sentence summary, and final verdict ✅ BUY / ⚠️ INVESTIGATE / ❌ PASS with one-line reason.
投资分析技能
提供数据驱动的投资结论。始终以 ✅ 买入 / ⚠️ 需调研 / ❌ 放弃 结尾。
资源位置
标准工作流程
1. 分析租赁房产
- - 触发条件：用户分享房源信息（地址、价格、预估租金）或询问我是否应该购买X房产
- 处理流程：
1. 收集：购买价格、预估月租金、房产税、地址。
2. 使用输入参数运行 scripts/analyze_property.py。
3. 计算：按揭还款（首付20%，当前利率）、现金流、现金回报率、资本化率、总租金乘数。
4. 考虑魁省欢迎税、维修储备金、空置率、保险。
5. 将结果与 references/criteria.md 中的阈值进行比较。
6. 呈现完整分析 +
结论。
2. 分析ETF
- - 触发条件：用户询问XEQT值得买吗、分析VFV或提供股票代码
- 处理流程：
1. 运行 scripts/analyze_etf.py
获取管理费率、回报率、前十大持仓。
2. 计算与当前TEC.TO持仓的重叠度。
3. 将历史回报与 references/criteria.md 中的阈值进行比较。
4. 评估是否改善投资组合多元化。
5. 呈现完整分析 + 结论。
3. ETF vs 房地产 — 资金投向决策
- - 触发条件：应该投资ETF还是房产、X资金应该投向哪里、比较ETF与房地产
- 处理流程：
1. 明确可用资金（如未说明）。
2. 使用资金金额运行 scripts/compare_allocation.py。
3. 基于相同资金基数，对两种方案在投资周期内进行建模。
4. 应用税后调整（边际税率约46%，资本利得50%计入）。
5. 明确说明杠杆效应。
6. 呈现并列对比 + 结论。
4. 每日房产扫描
- - 触发条件：扫描房产、帮我找投资房、每日扫描、Centris扫描
- 处理流程：
1. 运行 scripts/scan_properties.py --city sherbrooke --min-price 280000 --max-price 550000。
2. 仅显示 ✅ 买入 或 ⚠️ 需调研 的房源，包含地址、价格、单元数、现金流、资本化率、现金回报率、链接。
3. 如Centris抓取失败，手动粘贴房源详情并使用 analyze_property.py。
5. 定投顾问 — 每次工资投入多少
- - 触发条件：我应该投资多少、定投比例、工资投多少、DCA建议
- 处理流程：
1. 使用当前应急基金、TFSA/RRSP额度、信用额度余额运行 scripts/dca_advisor.py。
2. 优先级：应急基金 → TFSA (HXQ) → RRSP (HXQ) → 偿还信用额度 → 首付储备金 → HXQ应税账户。
3. 报告每个资金池的确切分配金额及任何警示。
输出格式
每项分析必须包含：关键指标表格、2-3句摘要、最终判定 ✅ 买入 / ⚠️ 需调研 / ❌ 放弃 及一行理由。
