china-financial-plan

Business

Create financial plans for Chinese wealth management clients covering retirement, education, estate, and cash-flow planning. Adapted from the original financial-plan skill for Chinese tax rules, social security, and local financial products. Triggers on "A股财务规划", "理财规划", "financial plan China", "retirement plan China", "财务规划客户", "退休规划", "教育金规划", or "comprehensive financial plan".

QUICK START

How to use this skill

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Prompt to paste

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Source SKILL.md: https://github.com/jwangkun/claude-for-financial-services-cn/blob/HEAD/vertical-plugins/wealth-management/skills/china-financial-plan/SKILL.md

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china-financial-plan

Purpose

Create comprehensive 中国家庭/个人财务规划 — retirement, education, estate, and cash-flow planning adapted for Chinese context.

Data Sources

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

get_index_data("000001")              → A股 historical returns
get_fund_data(fund_code)              → Fund performance data

Secondary Sources

社保 — social security data
公积金 — housing fund data
Wind / Choice — investment product data
Insurance companies — insurance product info

Workflow

Step 1: Client Profile & Goals

Client demographics:

Attribute	Detail
年龄
职业
家庭结构	Single / Married / Children
收入	Annual income (税前)
支出	Monthly/annual expenses
资产	Current net worth
负债	Mortgage, other debt

Financial goals:

Goal	Timeline	Target Amount	Priority
退休金	XX years	¥XXX万	High/Med/Low
子女教育	XX years	¥XXX万	High/Med/Low
购房	X years	¥XXX万	High/Med/Low
旅游/生活方式	Ongoing	¥XX万/年
遗产规划	Long-term

Step 2: Cash Flow Analysis

Income sources:

Source	Monthly	Annual	Stability
工资收入	¥X	¥XX	Stable/Variable
经营收入	¥X	¥XX	Variable
投资收入	¥X	¥XX	Variable
租金收入	¥X	¥XX	Semi-stable
其他	¥X	¥XX

Expense breakdown:

Category	Monthly	Annual
住房 (房贷/房租)	¥X	¥XX
食品	¥X	¥XX
交通	¥X	¥XX
子女教育	¥X	¥XX
医疗	¥X	¥XX
娱乐/旅游	¥X	¥XX
保险	¥X	¥XX
赡养老人	¥X	¥XX
其他	¥X	¥XX
Total	¥X	¥XX

Savings rate: Savings / Income = X%

Step 3: Net Worth Statement

Assets:

Asset Category	Current Value	Expected Growth
现金及活期	¥XX
存款 (定期/大额)	¥XX
A股投资	¥XX
基金	¥XX
债券	¥XX
房产	¥XX
保险现金价值	¥XX
其他	¥XX
Total Assets	¥XX

Liabilities:

Liability	Amount	Interest Rate	Remaining Term
房贷	¥XX	X.X%	X years
车贷	¥XX	X.X%	X years
其他贷款	¥XX	X.X%	X years
Total Liabilities	¥XX

Net worth: ¥XX万

Step 4: Retirement Planning

Retirement projection:

Parameter	Value
Current age	XX
Retirement age	XX
Years to retirement	XX
Desired retirement income	¥XX万/年
Expected retirement duration	XX years
Current retirement savings	¥XX万

Projection:

Year	Age	Projected Savings	Required
Now	XX	¥XX万	—
+5y	XX	¥XX万	¥XX万
+10y	XX	¥XX万	¥XX万
+15y	XX	¥XX万	¥XX万
Retirement	XX	¥XX万	¥XX万

Gap analysis: Shortfall / Surplus of ¥XX万

Solution options:

Increase savings rate
Adjust investment returns assumption
Delay retirement
Part-time work in retirement

Step 5: Education Planning

Education cost estimate (China):

Stage	Duration	Annual Cost	Total Cost
幼儿园	3 years	¥X-X万	¥X-X万
小学/初中	9 years	¥X-X万	¥X-X万
高中	3 years	¥X-X万	¥X-X万
国内大学	4 years	¥X-X万	¥X-X万
海外本科	4 years	¥XX-XXX万	¥XX-XXX万
海外硕士	1-2 years	¥XX-XXX万	¥XX-XXX万

Education fund projection:

Child Age	Years to College	Target Amount	Current Savings	Monthly Savings Needed

Step 6: Investment Allocation

Recommended allocation (A-share focus):

Asset Class	Conservative	Balanced	Growth
A股权益	20%	40%	60%
基金 (主动/被动)	20%	25%	20%
债券	40%	25%	10%
现金/理财	15%	7%	5%
其他 (REITs, 黄金)	5%	3%	5%

Within A-share equity:

Sector	Allocation	Rationale
消费	XX%	Defensive, long-term growth
科技	XX%	Growth, innovation
医药	XX%	Demographics, defensive
金融	XX%	Value, dividends
新能源	XX%	Policy support
其他	XX%	Diversification

Step 7: Risk Management

Insurance needs:

Type	Coverage	Annual Premium
医疗险	¥XX万	¥X,XXX
重疾险	¥XX万	¥X,XXX
意外险	¥XX万	¥X,XXX
寿险	¥XX万	¥X,XXX
养老险	¥XX万/年	¥X,XXX

Emergency fund: 3-6 months expenses = ¥XX万

Step 8: Tax Optimization

China-specific tax planning:

Area	Strategy
个税	专项附加扣除 (education, mortgage, elderly)
社保	Optimal contribution levels
公积金	Maximize employer match
投资	股息红利税收优化
房产	房产税 planning (if applicable)

China-Specific Considerations

Social Security (社保)

Type	Contribution	Benefits
养老保险	~28% of salary	Retirement pension
医疗保险	~10% of salary	Medical coverage
失业保险	~1%	Unemployment benefit
工伤保险	Employer	Work injury
生育保险	Employer	Maternity
住房公积金	5-12% each side	Housing fund

Common Financial Products (China)

Product	Return	Risk	Liquidity
银行活期	~0.3%	Very low	High
银行理财	2-4%	Low	Medium
国债	2-3%	Very low	Medium
货币基金 (余额宝等)	1.5-2.5%	Low	High
A股	-30% to +50%+	High	Medium
基金 (主动)	-20% to +40%	Medium-High	Medium
基金 (指数)	-25% to +35%	Medium	Medium
信托	5-8%	Medium-High	Low
私募	Variable	High	Low

Common Client Types

Type	Characteristics	Planning Focus
工薪阶层	Stable income, limited savings	Systematic investing, tax optimization
中小企业主	Variable income, business exposure	Diversification, succession planning
高净值	Significant assets, complex needs	Tax optimization, estate planning
退休人员	Fixed income, preservation	Income generation, capital preservation
年轻家庭	Early career, children	Accumulation, education funding

Quality Checks

Before delivering:

Data Source Mode Switch: Set env var IFIND_DATA_SOURCE_MODE to control data source preference.

ifind-only (strict): Use iFind only, error if unavailable

ifind-fallback (default): iFind preferred, fallback to AkShare

akshare-only: Skip iFind, use AkShare only