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Drafts investment proposals for Chinese wealth management clients, covering A-share market context, strategy, product recommendations, and risk disclosures.
How this skill is triggered — by the user, by Claude, or both
Slash command
/wealth-management:china-investment-proposalThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Create professional **A股财富管理投资建议书** — structured proposals for Chinese wealth management clients.
Create professional A股财富管理投资建议书 — structured proposals for Chinese wealth management clients.
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
Discovery questions:
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]
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] |
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:
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:
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 |
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:
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 |
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 regulatory requirements:
| 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 |
| 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 |
Before delivering:
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npx claudepluginhub jwangkun/claude-for-financial-services-cn --plugin wealth-management