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china-financial-plan

china-financial-plan

github.com/jwangkunProductivity87590 installsUpdated 6w ago
Repository

About china-financial-plan

A financial planning skill for individuals and households in China. It structures cash-flow and net-worth analysis alongside retirement, education, investment, insurance and tax planning, and allows the preferred data source to be selected between iFind and AkShare.

Key features

  1. 01Analyzes income, expenses and net worth
  2. 02Plans retirement and education funding
  3. 03Structures allocation and risk management
  4. 04Accounts for social security, housing funds and taxes
  5. 05Supports iFind and AkShare source selection

Use cases

  1. 01Plan education savings for a young family
  2. 02Assess retirement funding gaps and savings needs
  3. 03Organize household assets, liabilities and cash flow
  4. 04Plan investments and insurance around risk preferences

MCP support

The README names iFind MCP and AkShare MCP as data sources and describes selecting a source mode through an environment variable. The skill uses market data to support financial planning.

Install

Copy the command and run it in a terminal.

$npx skills add https://github.com/jwangkun/claude-for-financial-services-cn --skill china-financial-plan

After installing, type/china-financial-planin Claude Code to confirm it loaded.

Details

From the project README

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:

AttributeDetail
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:

GoalTimelineTarget AmountPriority
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:

SourceMonthlyAnnualStability
工资收入¥X¥XXStable/Variable
经营收入¥X¥XXVariable
投资收入¥X¥XXVariable
租金收入¥X¥XXSemi-stable
其他¥X¥XX

Expense breakdown:

CategoryMonthlyAnnualNotes
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 CategoryCurrent ValueExpected 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:

LiabilityAmountInterest RateRemaining Term
房贷¥XXX.X%X years
车贷¥XXX.X%X years
其他贷款¥XXX.X%X years
Total Liabilities¥XX

Net worth: ¥XX万

Step 4: Retirement Planning

Retirement projection:

ParameterValue
Current ageXX
Retirement ageXX
Years to retirementXX
Desired retirement income¥XX万/年
Expected retirement durationXX years
Current retirement savings¥XX万

Projection:

YearAgeProjected SavingsRequired
NowXX¥XX万—
+5yXX¥XX万¥XX万
+10yXX¥XX万¥XX万
+15yXX¥XX万¥XX万
RetirementXX¥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):

StageDurationAnnual CostTotal 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 AgeYears to CollegeTarget AmountCurrent SavingsMonthly Savings Needed
Step 6: Investment Allocation

Recommended allocation (A-share focus):

Asset ClassConservativeBalancedGrowth
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:

SectorAllocationRationale
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:

TypeCoverageAnnual 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:

AreaStrategy
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)
TypeContributionBenefits
养老保险~28% of salaryRetirement pension
医疗保险~10% of salaryMedical coverage
失业保险~1%Unemployment benefit
工伤保险EmployerWork injury
生育保险EmployerMaternity
住房公积金5-12% each sideHousing fund
Common Financial Products (China)
ProductReturnRiskLiquidity
银行活期~0.3%Very lowHigh
银行理财2-4%LowMedium
国债2-3%Very lowMedium
货币基金 (余额宝等)1.5-2.5%LowHigh
A股-30% to +50%+HighMedium
基金 (主动)-20% to +40%Medium-HighMedium
基金 (指数)-25% to +35%MediumMedium
信托5-8%Medium-HighLow
私募VariableHighLow
Common Client Types
TypeCharacteristicsPlanning Focus
工薪阶层Stable income, limited savingsSystematic investing, tax optimization
中小企业主Variable income, business exposureDiversification, succession planning
高净值Significant assets, complex needsTax optimization, estate planning
退休人员Fixed income, preservationIncome generation, capital preservation
年轻家庭Early career, childrenAccumulation, 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

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