Fund Invest Advisor

---
version: "2.0.0"
name: Fund Advisor
description: "基金定投顾问。定投计算（复利+真实年化）、收益模拟、资产配置、再平衡建议、止盈策略、基金类型科普。. Use when you need fund advisor capabilities. Triggers on: fund advisor."
  基金投资顾问。基金筛选、定投策略、资产配置、风险评估、收益计算、再平衡建议。Fund investment advisor with screening, DCA strategy, asset allocation, rebalancing. 基金理财、定投计划、投资组合、资产配置。Use when making fund investment decisions.
author: BytesAgain
homepage: https://bytesagain.com
source: https://github.com/bytesagain/ai-skills
---

# fund-advisor

基金定投顾问。定投计算（复利+真实年化）、收益模拟、资产配置、再平衡建议、止盈策略、基金类型科普。

## Commands

All commands via `scripts/fund.sh`:

| Command | Usage | Description |
|---------|-------|-------------|
| `invest` | `fund.sh invest "月定投额" "年化收益%" "定投年数"` | 定投收益计算 |
| `dca` | `fund.sh dca "月定投额" "年化收益%" "定投年数"` | 定投计算器（同invest，含复利+真实年化） |
| `compare` | `fund.sh compare "金额" "年数" "收益率1%,收益率2%,收益率3%"` | 多收益率对比 |
| `allocate` | `fund.sh allocate "保守\|稳健\|激进" "总金额"` | 资产配置建议（三种方案详细配置+金额） |
| `rebalance` | `fund.sh rebalance "股票50000,债券30000,货币20000"` | 再平衡建议（偏离目标配置时提醒调整） |
| `types` | `fund.sh types` | 基金类型科普 |
| `strategy` | `fund.sh strategy "风险偏好"` | 定投策略建议（保守/稳健/积极） |
| `help` | `fund.sh help` | 显示帮助信息 |

## Examples

```bash
# 每月定投2000元，年化8%，定投10年
bash scripts/fund.sh invest 2000 8 10

# 定投计算器（同invest）
bash scripts/fund.sh dca 3000 10 20

# 月投1000，10年，对比5%/8%/12%
bash scripts/fund.sh compare 1000 10 5,8,12

# 10万元稳健型资产配置
bash scripts/fund.sh allocate 稳健 100000

# 持仓再平衡分析
bash scripts/fund.sh rebalance "股票50000,债券30000,货币20000"

# 查看基金类型介绍
bash scripts/fund.sh types

# 获取稳健型策略建议
bash scripts/fund.sh strategy 稳健
```

## Reference

- 参考文档: `tips.md` — 基金投资实用指南（定投策略、资产配置、避坑指南）

## Notes

- 收益为理论模拟，不代表实际投资收益
- 纯本地计算，无需联网
- Python 3.6+ 兼容
- ⚠️ 基金有风险，投资需谨慎
---
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## Requirements
- bash 4+
- python3 (standard library only)