China Financial Plan

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 | Notes | |----------|---------|--------|-------| | 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:

• [ ] Client goals clearly defined
• [ ] Cash flow analysis complete
• [ ] Net worth accurate
• [ ] Projections realistic
• [ ] Allocation appropriate for risk profile
• [ ] Tax optimization considered
• [ ] Insurance needs assessed
• [ ] Recommendations actionable

> 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

Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: eitazhou10
• Source: eitazhou10/opencode-for-financial-services-cn
• License: Apache-2.0

Install and usage instructions live in the source repository linked above.