yield-intelligence

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 This Skill

• "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"

Limitations

• Provides portfolio research support, not personalized financial advice.
• Requires live yield, price, tax, and risk data for current recommendations.
• Does not account for every user-specific constraint unless the user provides it, including jurisdiction, tax status, and liquidity needs.

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"
    }
  }
}

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 use 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%

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

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%.

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     │
└──────────────────┴───────┴──────┴──────────────┘

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

Best Practices

• ✅ Verify coverage ratios for high-yield REITs before recommending
• ✅ Note duration risk for long-term Treasuries when rates are rising
• ✅ Consider account type tax efficiency (Roth vs. taxable vs. traditional IRA)
• ❌ Don't chase yield without checking dividend sustainability

Additional Resources

• Repository: thebrierfox/yield-intelligence-skill
• MCP server: thebrierfox/intuitek-ace
• Built by IntuiTek¹ (~K¹) — MIT License