/china-investment-proposal

name: china-investment-proposal
description: Draft investment proposals for Chinese wealth management clients. Creates structured proposals with investment rationale, product recommendations, and risk disclosures. Adapted from the original investment-proposal skill for A-share products and Chinese regulatory requirements. Triggers on "A股投资建议书", "投资方案", "investment proposal China", "proposal for [client]", "investment recommendation A-share", or "build investment proposal".

china-investment-proposal

Purpose

Create professional **A股财富管理投资建议书** — structured proposals for Chinese wealth management clients.

Data Sources

Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)

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

Secondary Sources

• Portfolio management system
• Research team — market outlook
• Product providers — fund/insurance data

Workflow

Step 1: Understand Client Needs

**Discovery questions:**

1. **Investment objective**: 保值增值 / 稳健增值 / 积极增值 / 收入型 2. **Time horizon**: 短期(<1年) / 中期(1-5年) / 长期(>5年) 3. **Risk tolerance**: 保守 / 稳健 / 积极 / 激进 4. **Liquidity needs**: 高 / 中 / 低 5. **Special considerations**: 税务, 遗产, 慈善, etc.

Step 2: Market & Strategy Overview

**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]

Step 3: Investment Strategy

**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] |

Step 4: Product Recommendations

**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:**

• Investment thesis (3-5 bullet points)
• Expected return range
• Risk assessment
• Suitable for client profile
• Minimum investment
• Liquidity terms

Step 5: Risk Assessment & Disclosure

**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:**

• Conservative (保守型): 低风险产品为主, 权益<30%
• Balanced (稳健型): 中等风险, 权益30-60%
• Growth (积极型): 较高风险, 权益60-90%
• Aggressive (激进型): 高风险, 权益>90%

Step 6: Expected Returns & Scenarios

**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 |

Step 7: Implementation Plan

**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:**

• 一次性建仓: 适合积极型, 市场低点
• 分批建仓: 适合稳健型, 降低择时风险
• 定投: 适合长期投资, 平滑成本

Step 8: Monitoring & Review

**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 |

Step 9: Proposal Document

**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-Specific Considerations

Suitability (适当性管理)

**China regulatory requirements:**

• 风险等级匹配: Product risk ≤ Client risk tolerance
• 投资者分类: 普通投资者 / 专业投资者
• 信息披露: Full and fair disclosure
• 冷静期: Cooling-off period for certain products
• 录音录像: Recording for in-person sales

Common Investment Products (China)

| 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 |

Client Segmentation

| 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