- 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 — income, tax rate, LOC
- Current portfolio: references/portfolio.md — existing ETF + properties
- Decision criteria: 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.