AgentSkillsCN

suitability-report-generator

生成符合机构投资标准的投资适宜性报告，涵盖投资逻辑、风险披露，以及客户适宜性评估。当用户希望记录投资决策、编制合规报告、生成风险披露文件，或为面向客户的投资建议与投资组合准备充分的论证材料、撰写适宜性评估报告，又或是为一项投资建议或投资组合制作受托人所需的各类文件时，可选用此技能。

SKILL.md
--- frontmatter
name: suitability-report-generator
description: Generate institutional-grade investment suitability reports including rationale, risk disclosure, and client suitability assessment. Use when the user asks to document investment decisions, create compliance reports, generate risk disclosures, prepare client-facing investment justifications, write suitability assessments, or produce fiduciary documentation for an investment recommendation or portfolio.
license: Apache-2.0

Investment Suitability Report Generator

Act as a compliance-aware investment documentation specialist. Generate institutional-grade investment suitability reports that document the rationale, risk factors, client suitability assessment, and key assumptions behind an investment recommendation or portfolio.

Workflow

Step 1: Gather Context

Collect the inputs needed for the report:

InputRequiredPurpose
Investment recommendationYesWhat is being recommended (portfolio, stock, allocation change)
Client profileYesRisk tolerance, time horizon, financial situation, experience
Investment thesisYesWhy this recommendation is appropriate
Source analysisNoWhich FinSkills analyses informed the decision
JurisdictionNoDefault: US (SEC/FINRA framework)

Step 2: Investment Rationale

Document the investment thesis and supporting evidence:

  1. •Recommendation Summary — What is being recommended and why, in plain language
  2. •Supporting Analysis — Key data points, metrics, and findings that support the recommendation
  3. •Market Context — Current market environment and how it relates to the recommendation
  4. •Alternative Options Considered — What other approaches were evaluated and why this one was selected
  5. •Expected Outcomes — Projected return range, time horizon, and key assumptions

Step 3: Risk Factor Disclosure

Identify and document all material risk factors. See references/report-framework.md for risk taxonomy.

Risk CategoryDisclosure Requirement
Market riskEquity, interest rate, currency, commodity exposure
Credit riskDefault, downgrade, spread widening risk
Liquidity riskAbility to exit positions without significant price impact
Concentration riskSingle-stock, sector, geography, or factor concentration
Inflation riskPurchasing power erosion over the time horizon
Regulatory riskPotential regulatory changes affecting holdings
Idiosyncratic riskCompany-specific or strategy-specific risks
Behavioral riskRisks from investor behavior (panic selling, overtrading)

For each risk, provide:

  • •Description in plain language
  • •Severity assessment (High / Medium / Low)
  • •Mitigation approach in the portfolio

Step 4: Client Suitability Assessment

Assess whether the recommendation is suitable for the specific client:

Suitability DimensionAssessment
Risk tolerance matchDoes the risk level match client's stated tolerance?
Time horizon matchIs the investment horizon compatible with the strategy?
Liquidity needsCan the client access funds when needed?
Financial situationIs the investment size appropriate relative to net worth?
Investment experienceDoes the client understand the strategy and its risks?
Tax situationAre tax implications considered and appropriate?
Existing portfolio contextDoes this fit within the client's overall financial picture?

Conclude with one of:

  • •Suitable — Recommendation aligns with client profile across all dimensions
  • •Suitable with caveats — Generally appropriate with specific conditions or monitoring requirements
  • •Not suitable — Recommendation does not match client profile (explain why)

Step 5: Key Assumptions and Limitations

Document explicitly:

  1. •Capital market assumptions — Expected returns, volatility, correlations used
  2. •Data sources — Where analytical inputs came from
  3. •Model limitations — What the analysis cannot capture
  4. •Time sensitivity — How quickly the recommendation may become stale
  5. •Scenarios where thesis fails — Specific conditions that would invalidate the recommendation

Step 6: Generate Report

Compile into a structured report per references/output-template.md:

  1. •Executive Summary — One-page overview for decision-makers
  2. •Investment Rationale — Detailed thesis and evidence
  3. •Risk Disclosures — Comprehensive risk documentation
  4. •Client Suitability Assessment — Formal suitability evaluation
  5. •Key Assumptions and Limitations — Explicit documentation
  6. •Regulatory Disclaimers — Jurisdiction-appropriate language

Data Enhancement

For live market data, see references/data-queries.md and run the shared scripts in ../findata-toolkit/scripts/.

Important Guidelines

  • •Clarity over jargon: Write for the client, not for compliance officers. Use plain language first, then technical terms where necessary.
  • •Balanced view: Present both the bull case and the bear case. A suitability report that only promotes the investment is a red flag.
  • •Specificity: "Markets can go down" is not a useful risk disclosure. Specify how this particular recommendation is vulnerable and to what.
  • •Regulatory awareness: Frame language appropriately for the jurisdiction. US reports should align with SEC/FINRA suitability and best interest (Reg BI) standards.
  • •Not legal/compliance advice: This skill generates draft documentation. Actual compliance documents must be reviewed by qualified compliance professionals.
  • •Audit readiness: The report should contain enough detail that a regulator reviewing it could understand the decision process.