Skill: clairproqc-star/investment-analyzer (version 1.0.0)

--- name: investment-analyzer description: "Investment analysis for properties and ETFs. BUY/PASS/INVESTIGATE verdicts backed by data. Scans Centris for listings, advises DCA allocation. Triggers: analyze property, ETF, scan Centris, 定投, DCA, 投资房, compare real estate vs ETF." metadata: {"clawdbot":{"emoji":"📈","requires":{"bins":["gemini"],"env":["GEMINI_API_KEY"]},"primaryEnv":"GEMINI_API_KEY"}} --- # Investment Analyzer Skill Give data-driven investment conclusions. Always end with ✅ BUY / ⚠️ INVESTIGATE / ❌ PASS. ## Resource Locations - **Personal profile**: [references/profile.md](references/profile.md) — income, tax rate, LOC - **Current portfolio**: [references/portfolio.md](references/portfolio.md) — existing ETF + properties - **Decision criteria**: [references/criteria.md](references/criteria.md) — thresholds and methodology - **Scripts**: `scripts/` ## Standard Workflows ### 1. Analyze a Rental Property - **Trigger**: User shares a listing (address, price, estimated rent) or asks "should I buy X property" - **Process**: 1. Collect: purchase price, estimated monthly rent, property taxes, address. 2. Run `scripts/analyze_property.py` with the inputs. 3. Calculate: mortgage payment (20% down, current rate), cash flow, CoC, Cap Rate, GRM. 4. Factor in Quebec welcome tax, maintenance reserve, vacancy, insurance. 5. Compare result against thresholds in `references/criteria.md`. 6. Present full breakdown + **conclusion**. ### 2. Analyze an ETF - **Trigger**: User asks "is XEQT worth buying", "analyze VFV", or names a ticker - **Process**: 1. Run `scripts/analyze_etf.py <TICKER>` to fetch MER, returns, top holdings. 2. Calculate overlap with current TEC.TO holdings. 3. Compare historical return vs thresholds in `references/criteria.md`. 4. Assess whether it improves portfolio diversification. 5. Present full breakdown + **conclusion**. ### 3. ETF vs Real Estate — Where to Put the Money - **Trigger**: "should I invest in ETF or property", "where should I put $X", "compare ETF vs real estate" - **Process**: 1. Clarify available capital (if not stated). 2. Run `scripts/compare_allocation.py` with the capital amount. 3. Model both scenarios over the investment horizon using same capital base. 4. Apply after-tax adjustments (marginal rate ~46%, capital gains 50% inclusion). 5. State leverage effect explicitly. 6. Present side-by-side comparison + **conclusion**. ### 4. Daily Property Scan - **Trigger**: "scan for properties", "帮我找投资房", "daily scan", "Centris scan" - **Process**: 1. Run `scripts/scan_properties.py --city sherbrooke --min-price 280000 --max-price 550000`. 2. Surface only ✅ BUY or ⚠️ INVESTIGATE listings with address, price, units, cash flow, cap rate, CoC, URL. 3. If Centris scraping fails, paste listing details manually and use `analyze_property.py`. ### 5. DCA Advisor — How Much to Invest Each Paycheck - **Trigger**: "how much should I invest", "定投比例", "工资投多少", "DCA advice" - **Process**: 1. Run `scripts/dca_advisor.py` with current emergency fund, TFSA/RRSP room, LOC balance. 2. Priority: Emergency fund → TFSA (HXQ) → RRSP (HXQ) → LOC paydown → Down payment reserve → HXQ taxable. 3. Report exact dollar split per bucket and any flags. ## Output Format Each analysis must include: Key Metrics table, 2-3 sentence summary, and final verdict ✅ BUY / ⚠️ INVESTIGATE / ❌ PASS with one-line reason.


Security scan verdicts — ClawScan: suspicious | static analysis: clean | VirusTotal: clean | SkillSpector: suspicious (HIGH)