122 lines
4.7 KiB
Markdown
122 lines
4.7 KiB
Markdown
---
|
||
name: yield-intelligence
|
||
description: Passive income portfolio analysis — activate when user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes, ranks by risk-adjusted return, and builds allocations targeting a specific monthly income.
|
||
risk: safe
|
||
source: community
|
||
date_added: "2026-05-31"
|
||
---
|
||
|
||
# Yield Intelligence
|
||
|
||
Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, returns a ranked opportunity table and optimal allocation.
|
||
|
||
## When to Use This Skill
|
||
|
||
- "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"
|
||
|
||
## Limitations
|
||
|
||
- Provides portfolio research support, not personalized financial advice.
|
||
- Requires live yield, price, tax, and risk data for current recommendations.
|
||
- Does not account for every user-specific constraint unless the user provides it, including jurisdiction, tax status, and liquidity needs.
|
||
|
||
## Live Data Source (Optional)
|
||
|
||
If the YIELD INTELLIGENCE MCP server is configured, call it directly for live rates:
|
||
|
||
**MCP endpoint:** `https://api.intuitek.ai/yield/mcp` (no auth required, open access)
|
||
|
||
**Tools:**
|
||
- `analyze_yield_opportunities` — Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidity
|
||
- `optimize_income_portfolio` — Builds a portfolio allocation targeting a specific monthly income goal
|
||
|
||
**Quick config (Claude Desktop / Claude Code):**
|
||
```json
|
||
{
|
||
"mcpServers": {
|
||
"yield-intelligence": {
|
||
"url": "https://api.intuitek.ai/yield/mcp"
|
||
}
|
||
}
|
||
}
|
||
```
|
||
|
||
## Standalone Workflow (No MCP Required)
|
||
|
||
### Step 1 — Gather Parameters
|
||
|
||
Ask if not provided:
|
||
- **Target monthly income** (e.g., $500)
|
||
- **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 yields for these four classes:
|
||
|
||
| Asset Class | Benchmarks | Typical Yield Range |
|
||
|---|---|---|
|
||
| US Treasuries | 1-yr, 5-yr, 10-yr, 30-yr | 4.0–5.5% |
|
||
| Dividend ETFs | SCHD, VYM, JEPI, JEPQ | 3.5–10% |
|
||
| REITs | O, MAIN, STAG | 4–12% |
|
||
| Preferred Stocks | PFF, PFFD | 5–7% |
|
||
|
||
### Step 3 — Score and Rank
|
||
|
||
Score each opportunity: **yield × (1 − risk_penalty) × liquidity_factor**
|
||
|
||
| Category | Risk Penalty |
|
||
|---|---|
|
||
| US Treasuries | 0.00 |
|
||
| Investment-grade dividend ETF | 0.05 |
|
||
| REIT / preferred | 0.15 |
|
||
| High-yield / speculative | 0.25 |
|
||
|
||
### Step 4 — Build Allocation
|
||
|
||
Given monthly target **T** and available capital **C**:
|
||
1. Sort opportunities by risk-adjusted score (descending)
|
||
2. Assign 30–40% to highest-conviction position
|
||
3. Diversify remaining 60–70% across 3–5 positions
|
||
4. Verify: `Σ(allocation_i × yield_i × C) ≥ T × 12`
|
||
|
||
Conservative portfolios: cap any single position at 25%.
|
||
|
||
### Step 5 — Present Results
|
||
|
||
```
|
||
YIELD INTELLIGENCE REPORT
|
||
─────────────────────────────────────────
|
||
Target: $[X]/month Required yield: [Y]%
|
||
Capital: $[Z] Account: [type]
|
||
|
||
OPPORTUNITY SCAN
|
||
┌──────────────────┬───────┬──────┬──────────────┐
|
||
│ Asset │ Yield │ Risk │ $/mo per 100K│
|
||
├──────────────────┼───────┼──────┼──────────────┤
|
||
│ [Top pick] │ X.X% │ Low │ $XXX │
|
||
└──────────────────┴───────┴──────┴──────────────┘
|
||
|
||
RECOMMENDED ALLOCATION ($[Z] capital)
|
||
[Asset A] 40% → $[amount] → $[X]/month
|
||
Total monthly income: $[X]/month ✓
|
||
```
|
||
|
||
## Best Practices
|
||
|
||
- ✅ Verify coverage ratios for high-yield REITs before recommending
|
||
- ✅ Note duration risk for long-term Treasuries when rates are rising
|
||
- ✅ Consider account type tax efficiency (Roth vs. taxable vs. traditional IRA)
|
||
- ❌ Don't chase yield without checking dividend sustainability
|
||
|
||
## Additional Resources
|
||
|
||
- Repository: [thebrierfox/yield-intelligence-skill](https://github.com/thebrierfox/yield-intelligence-skill)
|
||
- MCP server: [thebrierfox/intuitek-ace](https://github.com/thebrierfox/intuitek-ace)
|
||
- Built by [IntuiTek¹](https://intuitek.ai) (~K¹) — MIT License
|