yield-intelligence

name	yield-intelligence
description	Passive income portfolio analysis — activate when user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes, ranks by risk-adjusted return, and builds allocations targeting a specific monthly income.

Yield Intelligence

Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, returns a ranked opportunity table and optimal allocation.

When to Use

• "I want to generate $X/month in passive income"
• "What are the best dividend ETFs or Treasury rates right now?"
• "Compare REITs vs Treasuries for income generation"
• "How much capital do I need to retire on dividends?"
• "Build me a conservative income portfolio"

Live Data Source (Optional)

If the YIELD INTELLIGENCE MCP server is configured, call it directly for live rates:

MCP endpoint: https://api.intuitek.ai/yield/mcp (no auth required, open access)

Tools:

• analyze_yield_opportunities — Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidity
• optimize_income_portfolio — Builds a portfolio allocation targeting a specific monthly income goal

Quick config (Claude Desktop / Claude Code):

{
  "mcpServers": {
    "yield-intelligence": {
      "url": "https://api.intuitek.ai/yield/mcp"
    }
  }
}

MCP calls: $1 USDC via x402 on Base. The standalone workflow below requires no payment.

Standalone Workflow (No MCP Required)

Step 1 — Gather Parameters

Ask if not provided:

• Target monthly income (e.g., $500)
• Available capital (e.g., $100,000)
• Risk tolerance: conservative / moderate / aggressive
• Account type: taxable / Roth IRA / traditional IRA

Step 2 — Asset Class Scan

Research or fetch current yields for these four classes:

Asset Class	Benchmarks	Typical Yield Range
US Treasuries	1-yr, 5-yr, 10-yr, 30-yr	4.0–5.5%
Dividend ETFs	SCHD, VYM, JEPI, JEPQ	3.5–10%
REITs	O, MAIN, STAG	4–12%
Preferred Stocks	PFF, PFFD	5–7%

Sources: TreasuryDirect.gov for Treasuries; fund factsheets for ETFs; SEC filings for REITs.

Step 3 — Score and Rank

Score each opportunity: yield × (1 − risk_penalty) × liquidity_factor

Category	Risk Penalty
US Treasuries	0.00
Investment-grade dividend ETF	0.05
REIT / preferred	0.15
High-yield / speculative	0.25

Liquidity factor: 1.0 for ETFs, 0.95 for individual stocks/REITs.

Step 4 — Build Allocation

Given monthly target T and available capital C:

1. Sort opportunities by risk-adjusted score (descending)
2. Assign 30–40% to highest-conviction position
3. Diversify remaining 60–70% across 3–5 positions
4. Verify: Σ(allocation_i × yield_i × C) ≥ T × 12

Conservative portfolios: cap any single position at 25%. Aggressive: up to 40%.

Step 5 — Present Results

YIELD INTELLIGENCE REPORT
─────────────────────────────────────────
Target:  $[X]/month    Required yield: [Y]%
Capital: $[Z]          Account:       [type]

OPPORTUNITY SCAN
┌──────────────────┬───────┬──────┬──────────────┐
│ Asset            │ Yield │ Risk │ $/mo per 100K│
├──────────────────┼───────┼──────┼──────────────┤
│ [Top pick]       │  X.X% │  Low │     $XXX     │
│ [Second pick]    │  X.X% │  Med │     $XXX     │
│ [Third pick]     │  X.X% │  Med │     $XXX     │
└──────────────────┴───────┴──────┴──────────────┘

RECOMMENDED ALLOCATION ($[Z] capital)
  [Asset A]  40%  →  $[amount]  →  $[X]/month
  [Asset B]  35%  →  $[amount]  →  $[X]/month
  [Asset C]  25%  →  $[amount]  →  $[X]/month
  ─────────────────────────────────────────────
  Total monthly income: $[X]/month ✓

KEY RISKS
  • Duration risk: [note if long-duration bonds]
  • Concentration: [flag if >40% in one class]
  • Tax: REITs = ordinary income (not qualified dividends)
  • [Account-specific tax optimization note]

Tax Efficiency Notes

• Roth IRA / 401(k): Ideal for high-yield REITs and preferred stocks (shield ordinary income)
• Taxable account: Favor SCHD, VYM (qualified dividends at lower rate)
• Traditional IRA: Treasuries work well (deferred tax, predictable income)

Common Pitfalls

1. Chasing yield without checking coverage ratios — A 12% REIT yield that cuts its dividend leaves you with capital losses
2. Ignoring duration risk — Long Treasuries lose value when rates rise; 1–5 yr bills are safer for income preservation
3. Forgetting inflation — A 5% yield in year 1 may be 3% real yield after inflation; consider I-bonds or TIPS for a portion

Source

Built by IntuiTek¹ (~K¹). Hosted MCP server: https://api.intuitek.ai/yield/mcp. Repository: thebrierfox/intuitek-ace — MIT License.