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portfolio-cashflow-modeling

Use when 需要计算/解释投资组合的年化收益率、月度现金流与长期(如30年)资产路径,且包含固定支出与不确定收入(自由职业波动、随机收入、回款集中)并需要给出耗尽概率与分位数(P10/P50/P90)

64

Quality

76%

Does it follow best practices?

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SecuritybySnyk

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tessl review fix ./skills/portfolio-cashflow-modeling/SKILL.md
SKILL.md
Quality
Evals
Security

Quality

Content

82%Weight 40%Scale 1-5

Reviews the quality of instructions and guidance provided to agents. Good implementation is clear, handles edge cases, and produces reliable results.

The content is well-structured, concise, and highly actionable, anchored by an executable Python example and concrete formulas with clear sequencing across six method steps. Minor room remains for an explicit validate/retry feedback loop and slightly tighter prose.

DimensionReasoningScore

Conciseness

The body is lean and assumes Claude's competence — it never explains what a quantile or Monte Carlo is, and every section earns its place. A few editorial lines (e.g. the '核心原则' overview sentence) and some guardrail prose could be trimmed slightly.

4 / 5

Actionability

Provides fully executable, copy-paste-ready Python (simulate() with np.random.default_rng, quantile extraction), concrete formulas (R = Σ(w_i*r_i), A_{t+1}=A_t*(1+rm)+income_t-spend_t, rm=(1+R)^(1/12)-1), and specific method guidance (binary/grid search for reverse-solve, lognormal income models) covering the common cases.

5 / 5

Workflow Clarity

Steps 1–6 are clearly sequenced (口径 → 组合年化 → 现金流递推 → 收入模型 → 蒙特卡洛 → 反求) with explicit checkpoints (耗尽判定 A_t<=0, reproducibility gate of N/seed/params, mandatory risk-metric reporting). It lacks a fully explicit validate-and-retry feedback loop, keeping it just below 5.

4 / 5

Progressive Disclosure

No bundle files exist; the skill is a single self-contained ~90-line file with well-organized sections (Overview, When to Use, Guardrails, Quick Reference, Method, Example, Common Mistakes). It is appropriately self-contained with no nested references, though at over 50 lines the Example or detailed Method could arguably be split out.

4 / 5

Total

17

/

20

Passed

Description

71%Weight 40%Scale 1-5

Based on the skill's description, can an agent find and select it at the right time? Clear, specific descriptions lead to better discovery.

The description is specific and highly distinctive, with an explicit 'Use when...' trigger covering concrete portfolio-cashflow scenarios. Its main weakness is trigger-term quality: it leans on technical phrasing rather than the natural, colloquial phrases a user would actually say.

Suggestions

Add the colloquial trigger phrasings from the body (e.g. '组合年化是多少', '每月能拿到多少现金', '30年后剩多少') directly into the description so the natural user keywords are present at the top level.

Lead with a short third-person declarative statement of what the skill does (e.g. 'Models portfolio cashflows and asset paths...') before the 'Use when' clause to make the 'what' explicit and independent of the trigger.

Mention the reverse-solve capability ('given a target balance, solve for sustainable spending') in the description so the capability list is more complete.

DimensionReasoningScore

Specificity

Names the portfolio-cashflow domain and lists several concrete capabilities (年化收益率, 月度现金流, 30年资产路径, 耗尽概率, P10/P50/P90分位数), with only minor gaps such as the reverse-solve capability mentioned in the body.

4 / 5

Completeness

Opens with an explicit 'Use when...' clause giving concrete triggers, and embeds the 'what' (calculate/explain returns, cashflow, asset paths, depletion probability, quantiles) within that clause; the 'what' is clear but not stated as a standalone declarative capability, so it falls short of a 5.

4 / 5

Trigger Term Quality

Includes relevant technical terms (年化收益率, 资产路径, 分位数) that a numerate user might say, but the description omits the more colloquial trigger phrasings (e.g. '组合年化是多少', '每月能拿到多少现金') that appear only in the body.

3 / 5

Distinctiveness Conflict Risk

Targets a very specific niche — stochastic-income portfolio cashflow modeling with depletion probability and quantiles — making it clearly distinct from generic finance skills with minimal overlap risk.

5 / 5

Total

16

/

20

Passed

Validation

100%

Checks the skill against the spec for correct structure and formatting. All validation checks must pass before discovery and implementation can be scored.

Validation16 / 16 Passed

Validation for skill structure

No warnings or errors.

Repository
Leo-stone-dot/my_life_agent
Reviewed

Table of Contents

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