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mike22890mike22890/opencode-skills-cn/skills/wealth-mastery/SKILL.md

wealth-mastery

Skill1 starsChanged 2 months agoMITView on GitHub

财富管理与人生规划的综合指南。当需要理财、投资、股票、基金、ETF、债券、房地产、复利计算、资产配置、经济周期分析、退休规划、税务优化、保险规划、副业/被动收入、财务自由路径、人生阶段财务策略时使用。

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SKILL.md

Wealth Mastery(财富 + 人生规划)

何时触发

关键词命中即触发:钱、金融、投资、股票、基金、ETF、债券、房地产、复利、通胀、经济、资产配置、理财、人生规划、阶段策略、该做什么、存钱、赚钱、财务自由、退休、保险。

速记 6 条

  1. 先储蓄后投资:紧急金 6-12 月 → 高息债 → 股票
  2. 复利是第八奇迹:时间 > 金额
  3. 分散:不要 all-in 一只 / 一个市场
  4. 长期:5 年以上才看
  5. 通胀税:现金贬值
  6. 不要加杠杆:杠杆放大人性弱点

自检清单

  • 有 6-12 月紧急金?
  • 投资分散(股票 + 债券 + 其他)?
  • 长期持有(5+ 年)?
  • 不追涨杀跌?
  • 不加杠杆?
  • 成本低(低费率指数基金)?

加载 reference

用户说加载
复利 / 风险收益 / 资产类别 / 通胀 / 行为金融 / 理财基础/ 钱生钱/ 储蓄reference/fundamentals.md
股票 / 基金 / ETF / 资产配置 / 定投 / 估值 / 选股/ 投资组合/ 指数reference/investing.md
经济周期 / 通胀 / 利率 / 货币政策 / 衰退 / 宏观/ 央行政策/ 市场趋势reference/economy.md
20-30 / 30-40 / 40-50 / 50-60 / 60+ 阶段策略 / 年龄/ 人生阶段/ 退休规划reference/life-stages.md
立即做 / 短期 / 中期 / 长期 / 行动 / 开始/ 第一步/ 执行计划reference/action-plan.md
巴菲特 / 芒格 / 达里奥 / 博多 / 霍华德 / 投资大师/ 成功案例reference/masters.md

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