finance by aifinlab
Bank T188 Wealth Management Sip Advice Assistant aifinlab/bank-t188-wealth-management-sip-advice-assistant
Use when wealth advisors need to craft or compare systematic investment plan (SIP) advice in a bank wealth-management context, including target setting, product selection, allocation logic, and compliant communication notes.
What it changes View full report → Passed 19 of 22 test cases with the skill, and 13 of 22 without it.
Without skill 59%
With skill 86%
Checks it passed that the model alone missed and 6 more in the full report
6 fixed13 passed either way3 still failing0 broke
Pass-rate lift +27 pp
Tokens +43%
Agent turns 0%
Response time +21% Model gemini-3.6-flashMeasured 8/28/2026 v1 19 of 22 cases passed with skill
Use this skill Claude Code DecimalAI agent CLI & files
Save it into your project's skills folder. Claude Code picks it up in its next session.
curl -fsSL --create-dirs -o .claude/skills/aifinlab-bank-t188-wealth-management-sip-advice-assistant/SKILL.md https://app.decimal.ai/s/aifinlab-bank-t188-wealth-management-sip-advice-assistant/SKILL.md Copy command Copy SKILL.md
Want it pinned and updatable? pip install "decimalai>=0.15", then decimalai skills add aifinlab-bank-t188-wealth-management-sip-advice-assistant, and start Claude Code with claude --plugin-dir "$(git rev-parse --show-toplevel)/.agents"
Linked stays up to date: your agents get the author's new versions automatically.
Editable copy is yours to change; the author's updates won't reach it.
Install linked skill Create editable copy
1 · One-time — install the CLI (
docs ↗ )
$ pip install "decimalai>=0.15"Copy
2 · Get the skill — writes .agents/skills/aifinlab-bank-t188-wealth-management-sip-advice-assistant/ and pins it in .decimal/skills.lock
$ decimalai skills add aifinlab-bank-t188-wealth-management-sip-advice-assistantCopy
Copy link Copy README badge Copy SKILL.md No CLI? Get the same file — curl · raw file $ curl -fsSL --create-dirs -o .claude/skills/aifinlab-bank-t188-wealth-management-sip-advice-assistant/SKILL.md https://app.decimal.ai/s/aifinlab-bank-t188-wealth-management-sip-advice-assistant/SKILL.mdCopy
Safety checks: 3 of 3 passed
Code scan Clean Intent Passed Content Clean
Overview Benchmark Contents Activity Versions 1 Ratings 0
See it in action One of 6 test cases the skill fixed. Same model, same prompt, with and without the skill.
Prompt 已知C3客户养老目标10年、每月3000元、回撤承受12%。现有基金X（C3级，多资产配置，费率0.8%）与基金Y（C2级，纯债配置，费率0.4%）。请出具方案结构。
What was checked, without and with the skill Checked Without skill With skill Provides both a primary plan and a backup plan with explicit asset allocation percentages. Explains the comparative reasoning for choosing Fund X as primary and Fund Y as backup.
Show both answers
What's inside The instructions your model reads when the skill loads.
SKILL.md 79 lines 7 files includes scripts
定投建议助手
本技能服务于银行财富管理中的“定投建议”场景，目标是把客户目标、风险承受能力、期限与流动性约束、产品池要素和市场环境，组织成可解释、可沟通、可合规落地的定投方案。适用于理财经理、财富顾问、私行团队在方案设计、主备方案比较、风险提示与后续跟进中使用。
适用范围
定投方案设计、主备方案比较、组合搭建与沟通材料准备
面向不同风险层级客户的定投策略拆解（稳健/平衡/进取）
需要输出“配置逻辑 + 风险提示 + 后续动作”的定投建议
何时使用
需要围绕客户目标与约束制定或优化定投计划时
需要将定投金额、期限、频率、产品选择与风险边界形成可解释建议时
需要输出可直接用于对客沟通与合规留痕的建议框架时
何时不要使用
客户风险等级、期限或流动性约束未确认却要求强推方案
用户要求规避适当性、合规披露或收益承诺
需要做正式投资建议/审批结论的场景（本技能仅提供建议框架）
默认工作流
明确服务对象、目标（如教育金/养老/中长期增值）与资金用途
核实客户风险等级、期限、流动性要求、可承受回撤与现金流状况
读取产品池与限制条件（风险等级、期限、费用、渠道限制）
评估“定投金额 + 期限 + 频率”是否与目标匹配
形成主方案、备选方案与不建议方案，并说明原因
输出沟通要点、风险提示、需要客户确认的事项
重点分析框架
目标匹配：目标金额/用途 与 定投期限/金额/频率 是否匹配
适当性：产品风险等级 ≤ 客户风险等级
期限匹配：产品最低持有期 ≤ 客户可接受期限
波动承受：产品波动水平 ≤ 客户可承受回撤
费用敏感：费用率过高会显著侵蚀长期收益
分散性：单一风格/行业过度集中需提示风险
输入要求
客户画像：风险等级、投资期限、流动性需求、回撤承受、资金用途
定投设定：月度金额、频率、起投时间、目标金额（可选）
产品池：产品名称、风险等级、资产类别、最低持有期、费用、标签
约束条件：禁投品类、渠道限制、合规或适当性要求
Track record Benchmark 19 / 22
test cases passed, vs 13 / 22 without
Adoption
Users 0
Times used 0 View activity → Safety and source details
SkillSafety ✓ 3 of 3 passed ✓ Code scan 15 of 15 checks clean
0 critical · 0 warning · 0 info — scanner v4 — 8/3/2026
View 15 scanner checks live_secret remote_code_execution reverse_shell data_exfiltration ssrf_metadata agent_snooping anti_refusal destructive_commands obfuscated_unicode unicode_homoglyph opaque_blob suspicious_url tool_overreach trigger_abuse prompt_injection_phrasing
✓ Intent Safe
LLM judge · does the skill do what it claims
✓ Content Clean
LLM judge · policy & harmful-content review
Source Imported aifinlab / finclaw
skills/bank-t188-wealth-management-sip-advice-assistant/SKILL.md
View on GitHub ↗ License Apache-2.0Imported 8/3/2026Version v1Bundled 6 files · scripts