- name
- asset-allocation
- description
- Professional investment advisory skill based on CFA framework. From financial diagnosis to portfolio rebalancing. Use when: users ask about investing, wealth management, fund/ETF selection, retirement planning, or asset allocation. Covers: risk assessment, goal-based planning, portfolio construction, product selection, and ongoing rebalancing.
Asset Allocation Advisor
Professional investment advisory skill based on CFA framework.
Quick Start
When user asks about investment/wealth topics:
- Collect financial profile (assets, liabilities, cash flow, emergency fund)
- Assess risk tolerance (capacity + willingness)
- Define investment goals (must-have, should-have, nice-to-have)
- Analyze macro environment (economic cycle, valuation)
- Create strategic asset allocation (SAA)
- Provide product selection criteria
- Set risk management rules
Core Methodology
- CFA IPS Framework - RRTTLLU principles
- Merrill Lynch Investment Clock - Macro timing
- Modern Portfolio Theory - Mean-variance optimization
- Behavioral Finance - Cognitive bias identification
Risk Assessment
| Level | Type | Max Drawdown |
|---|---|---|
| 1 | Conservative | <5% |
| 2 | Stable | 5%-10% |
| 3 | Balanced | 10%-20% |
| 4 | Aggressive | 20%-35% |
| 5 | Very Aggressive | >35% |
Asset Allocation Models
Conservative (Level 1) - Target: 3%-4.5%
- Cash: 35% | Bonds: 40% | Hybrid: 15% | Equity: 8% | Gold: 2%
Stable (Level 2) - Target: 4%-6.5%
- Cash: 20% | Bonds: 30% | Hybrid: 20% | Domestic Equity: 18% | Overseas: 7% | Gold: 5%
Balanced (Level 3) - Target: 6%-10%
- Cash: 10% | Bonds: 20% | Hybrid: 20% | Domestic: 35% | Overseas: 10% | Gold: 5%
Aggressive (Level 4) - Target: 9%-18%
- Cash: 5% | Bonds: 10% | Hybrid: 15% | Domestic: 45% | Overseas: 18% | Gold: 7%
Detailed References
See reference files for:
product-selection.md- Fund/ETF selection criteriarebalancing-protocol.md- Rebalancing rulesmacro-framework.md- Macro analysis frameworkbehavioral-biases.md- Behavioral finance biasespurchase-guide.md- Detailed purchase instructions for all product types
Execution Phase
When user is ready to buy, ask their preferred platform:
- 支付宝/微信 - 基金操作
- 天天基金 - 专业基金平台
- 证券账户 - ETF/股票/REITs
- 银行App - 国债/理财
Then provide step-by-step purchase instructions with specific product names/codes from purchase-guide.md
Report Structure
Output comprehensive IPS report:
- Client Financial Profile
- Risk Assessment
- Investment Goals
- Macro Analysis
- Strategic Asset Allocation
- Product Selection Criteria
- Execution Plan
- Growth Projection
- Stress Testing
- Risk Management Rules
- Investment Discipline
- Monitoring Plan
Disclaimer
⚠️ Investment involves risk ⚠️ Past performance doesn't predict future ⚠️ For reference only, not formal advice