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Creates financial plans for Chinese wealth management clients covering retirement, education, estate, and cash-flow planning using local tax rules, social security, and A-share market data.
How this skill is triggered — by the user, by Claude, or both
Slash command
/wealth-management:china-financial-planThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Create comprehensive **中国家庭/个人财务规划** — retirement, education, estate, and cash-flow planning adapted for Chinese context.
Create comprehensive 中国家庭/个人财务规划 — retirement, education, estate, and cash-flow planning adapted for Chinese context.
get_index_data("000001") → A股 historical returns
get_fund_data(fund_code) → Fund performance data
Client demographics:
| Attribute | Detail |
|---|---|
| 年龄 | |
| 职业 | |
| 家庭结构 | Single / Married / Children |
| 收入 | Annual income (税前) |
| 支出 | Monthly/annual expenses |
| 资产 | Current net worth |
| 负债 | Mortgage, other debt |
Financial goals:
| Goal | Timeline | Target Amount | Priority |
|---|---|---|---|
| 退休金 | XX years | ¥XXX万 | High/Med/Low |
| 子女教育 | XX years | ¥XXX万 | High/Med/Low |
| 购房 | X years | ¥XXX万 | High/Med/Low |
| 旅游/生活方式 | Ongoing | ¥XX万/年 | |
| 遗产规划 | Long-term |
Income sources:
| Source | Monthly | Annual | Stability |
|---|---|---|---|
| 工资收入 | ¥X | ¥XX | Stable/Variable |
| 经营收入 | ¥X | ¥XX | Variable |
| 投资收入 | ¥X | ¥XX | Variable |
| 租金收入 | ¥X | ¥XX | Semi-stable |
| 其他 | ¥X | ¥XX |
Expense breakdown:
| Category | Monthly | Annual | Notes |
|---|---|---|---|
| 住房 (房贷/房租) | ¥X | ¥XX | |
| 食品 | ¥X | ¥XX | |
| 交通 | ¥X | ¥XX | |
| 子女教育 | ¥X | ¥XX | |
| 医疗 | ¥X | ¥XX | |
| 娱乐/旅游 | ¥X | ¥XX | |
| 保险 | ¥X | ¥XX | |
| 赡养老人 | ¥X | ¥XX | |
| 其他 | ¥X | ¥XX | |
| Total | ¥X | ¥XX |
Savings rate: Savings / Income = X%
Assets:
| Asset Category | Current Value | Expected Growth |
|---|---|---|
| 现金及活期 | ¥XX | |
| 存款 (定期/大额) | ¥XX | |
| A股投资 | ¥XX | |
| 基金 | ¥XX | |
| 债券 | ¥XX | |
| 房产 | ¥XX | |
| 保险现金价值 | ¥XX | |
| 其他 | ¥XX | |
| Total Assets | ¥XX |
Liabilities:
| Liability | Amount | Interest Rate | Remaining Term |
|---|---|---|---|
| 房贷 | ¥XX | X.X% | X years |
| 车贷 | ¥XX | X.X% | X years |
| 其他贷款 | ¥XX | X.X% | X years |
| Total Liabilities | ¥XX |
Net worth: ¥XX万
Retirement projection:
| Parameter | Value |
|---|---|
| Current age | XX |
| Retirement age | XX |
| Years to retirement | XX |
| Desired retirement income | ¥XX万/年 |
| Expected retirement duration | XX years |
| Current retirement savings | ¥XX万 |
Projection:
| Year | Age | Projected Savings | Required |
|---|---|---|---|
| Now | XX | ¥XX万 | — |
| +5y | XX | ¥XX万 | ¥XX万 |
| +10y | XX | ¥XX万 | ¥XX万 |
| +15y | XX | ¥XX万 | ¥XX万 |
| Retirement | XX | ¥XX万 | ¥XX万 |
Gap analysis: Shortfall / Surplus of ¥XX万
Solution options:
Education cost estimate (China):
| Stage | Duration | Annual Cost | Total Cost |
|---|---|---|---|
| 幼儿园 | 3 years | ¥X-X万 | ¥X-X万 |
| 小学/初中 | 9 years | ¥X-X万 | ¥X-X万 |
| 高中 | 3 years | ¥X-X万 | ¥X-X万 |
| 国内大学 | 4 years | ¥X-X万 | ¥X-X万 |
| 海外本科 | 4 years | ¥XX-XXX万 | ¥XX-XXX万 |
| 海外硕士 | 1-2 years | ¥XX-XXX万 | ¥XX-XXX万 |
Education fund projection:
| Child Age | Years to College | Target Amount | Current Savings | Monthly Savings Needed |
|---|---|---|---|---|
Recommended allocation (A-share focus):
| Asset Class | Conservative | Balanced | Growth |
|---|---|---|---|
| A股权益 | 20% | 40% | 60% |
| 基金 (主动/被动) | 20% | 25% | 20% |
| 债券 | 40% | 25% | 10% |
| 现金/理财 | 15% | 7% | 5% |
| 其他 (REITs, 黄金) | 5% | 3% | 5% |
Within A-share equity:
| Sector | Allocation | Rationale |
|---|---|---|
| 消费 | XX% | Defensive, long-term growth |
| 科技 | XX% | Growth, innovation |
| 医药 | XX% | Demographics, defensive |
| 金融 | XX% | Value, dividends |
| 新能源 | XX% | Policy support |
| 其他 | XX% | Diversification |
Insurance needs:
| Type | Coverage | Annual Premium |
|---|---|---|
| 医疗险 | ¥XX万 | ¥X,XXX |
| 重疾险 | ¥XX万 | ¥X,XXX |
| 意外险 | ¥XX万 | ¥X,XXX |
| 寿险 | ¥XX万 | ¥X,XXX |
| 养老险 | ¥XX万/年 | ¥X,XXX |
Emergency fund: 3-6 months expenses = ¥XX万
China-specific tax planning:
| Area | Strategy |
|---|---|
| 个税 | 专项附加扣除 (education, mortgage, elderly) |
| 社保 | Optimal contribution levels |
| 公积金 | Maximize employer match |
| 投资 | 股息红利税收优化 |
| 房产 | 房产税 planning (if applicable) |
| Type | Contribution | Benefits |
|---|---|---|
| 养老保险 | ~28% of salary | Retirement pension |
| 医疗保险 | ~10% of salary | Medical coverage |
| 失业保险 | ~1% | Unemployment benefit |
| 工伤保险 | Employer | Work injury |
| 生育保险 | Employer | Maternity |
| 住房公积金 | 5-12% each side | Housing fund |
| Product | Return | Risk | Liquidity |
|---|---|---|---|
| 银行活期 | ~0.3% | Very low | High |
| 银行理财 | 2-4% | Low | Medium |
| 国债 | 2-3% | Very low | Medium |
| 货币基金 (余额宝等) | 1.5-2.5% | Low | High |
| A股 | -30% to +50%+ | High | Medium |
| 基金 (主动) | -20% to +40% | Medium-High | Medium |
| 基金 (指数) | -25% to +35% | Medium | Medium |
| 信托 | 5-8% | Medium-High | Low |
| 私募 | Variable | High | Low |
| Type | Characteristics | Planning Focus |
|---|---|---|
| 工薪阶层 | Stable income, limited savings | Systematic investing, tax optimization |
| 中小企业主 | Variable income, business exposure | Diversification, succession planning |
| 高净值 | Significant assets, complex needs | Tax optimization, estate planning |
| 退休人员 | Fixed income, preservation | Income generation, capital preservation |
| 年轻家庭 | Early career, children | Accumulation, education funding |
Before delivering:
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npx claudepluginhub jwangkun/claude-for-financial-services-cn --plugin wealth-management