| 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)
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:
- Investment objective: 保值增值 / 稳健增值 / 积极增值 / 收入型
- Time horizon: 短期(<1年) / 中期(1-5年) / 长期(>5年)
- Risk tolerance: 保守 / 稳健 / 积极 / 激进
- Liquidity needs: 高 / 中 / 低
- 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:
Data Source Mode Switch: Set env var IFIND_DATA_SOURCE_MODE to control data source preference.
ifind-only (strict): Use iFind only, error if unavailableifind-fallback (default): iFind preferred, fallback to AkShareakshare-only, wind-only (Wind only), wind-fallback (Wind first, fallback to iFind → AkShare): Skip iFind, use AkShare only
