From ad6d0c60dd58abefb39378d067beab451fcbe0d1 Mon Sep 17 00:00:00 2001 From: =?UTF-8?q?K=C2=B9yle=20Million?= Date: Sun, 31 May 2026 10:59:06 -0500 Subject: [PATCH] feat: add yield-intelligence skill for passive income portfolio analysis --- skills/yield-intelligence/SKILL.md | 98 ++++++++++++++++++++++++++++++ 1 file changed, 98 insertions(+) create mode 100644 skills/yield-intelligence/SKILL.md diff --git a/skills/yield-intelligence/SKILL.md b/skills/yield-intelligence/SKILL.md new file mode 100644 index 000000000..eb1d5743e --- /dev/null +++ b/skills/yield-intelligence/SKILL.md @@ -0,0 +1,98 @@ +--- +name: yield-intelligence +description: Passive income portfolio analysis — activate when the user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes (Treasuries, dividend ETFs, REITs, preferred stocks), ranks by risk-adjusted return, and builds an allocation targeting a specific monthly income goal. +license: MIT +compatibility: Cross-platform. No external tools required for the standalone workflow. Optional MCP server at https://api.intuitek.ai/yield/mcp provides live rate data (x402 micropayment, $1 USDC per call). +argument-hint: "Optional: target monthly income and capital, e.g. \"$500/month from $100k\", plus risk tolerance (conservative/moderate/aggressive) and account type (taxable/Roth IRA/traditional IRA)" +--- + +# Yield Intelligence + +Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, produces a ranked opportunity table and optimal allocation. + +## When to Use + +- "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" +- "Which pays more — Treasuries or REITs right now?" + +## Step 1 — Gather Parameters + +Ask if not provided: +- **Target monthly income** (e.g., $500/month) +- **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 knowledge to estimate yields for these four classes: + +| Asset Class | Benchmark Tickers | Typical Yield Range | +|---|---|---| +| US Treasuries | T-Bills (1-yr), T-Notes (5-yr, 10-yr), T-Bonds (30-yr) | 4.0–5.5% | +| Dividend ETFs | SCHD, VYM, JEPI, JEPQ | 3.5–10% | +| REITs | O (Realty Income), MAIN, STAG | 4–12% | +| Preferred Stocks | PFF, PFFD | 5–7% | + +For each asset, calculate: +- **Annual yield %** (dividend/distribution rate) +- **Risk score** (1–5: 1=Treasury, 5=high-yield REIT) +- **Liquidity** (High/Medium/Low) +- **Tax efficiency** (Qualified dividends = favorable; REIT distributions = ordinary income) + +## Step 3 — Ranked Opportunity Table + +Present results as a markdown table sorted by risk-adjusted yield (yield ÷ risk score): + +```markdown +| Rank | Asset | Ticker | Yield | Risk | Liquidity | Tax | Risk-Adj Yield | +|------|-------|--------|-------|------|-----------|-----|---------------| +| 1 | … | … | x.x% | 2/5 | High | QD | x.x% | +``` + +## Step 4 — Allocation Engine + +Given the capital and monthly income target: + +1. **Required annual income** = monthly target × 12 +2. **Blended yield needed** = required annual income ÷ total capital +3. Build a 3-tier allocation matching the user's risk tolerance: + +| Risk Profile | Tier 1 (Low Risk) | Tier 2 (Mid Risk) | Tier 3 (Growth Income) | +|---|---|---|---| +| Conservative | 60% Treasuries | 30% Dividend ETFs | 10% REITs | +| Moderate | 30% Treasuries | 40% Dividend ETFs | 30% REITs | +| Aggressive | 10% Treasuries | 30% Dividend ETFs | 60% REITs/Preferreds | + +4. Calculate projected monthly income for each tier +5. Identify shortfall or surplus vs. target +6. Adjust allocation if needed to hit the target monthly income + +## Step 5 — Output + +Deliver three outputs: + +1. **Allocation Summary** — dollar amounts per asset class +2. **Projected Income Statement** — monthly/quarterly/annual breakdown +3. **Key Risks** — interest rate sensitivity, dividend cut risk, liquidity constraints, tax drag + +## Tax Optimization Notes + +- **Taxable accounts**: Prefer qualified dividends (ETFs, stocks held >60 days) over ordinary REIT distributions +- **Roth IRA**: REITs and high-yield preferred stocks are ideal (tax-free growth) +- **Traditional IRA**: High-yield positions maximize tax deferral +- **I-Bonds and TIPS**: Consider inflation-protected allocations for conservative profiles + +## Anti-Patterns + +| ❌ Do not | ✅ Do instead | +|---|---| +| Chase the highest headline yield | Evaluate risk-adjusted yield and payout sustainability | +| Ignore account type | Match tax-efficient assets to account type | +| Recommend individual stocks without diversification context | Lead with diversified ETFs; note individual tickers as examples | +| Ignore the user's income target | Always close with projected monthly income vs. target | +| Use stale yield data without flagging it | State that yields fluctuate and recommend verifying current rates |