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longbridge-financial-planning

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🇺🇸

Original

English
🇨🇳

Translation

Chinese

longbridge-financial-planning

longbridge-financial-planning

Personal financial planning framework — retirement targets, education fund, balance sheet, and portfolio gap analysis.
Response language: match the user's input language — Simplified Chinese / Traditional Chinese / English.
个人财务规划框架——退休目标、教育金、资产负债表及投资组合差距分析。
回复语言：匹配用户输入语言——简体中文/繁体中文/英文。

When to use

使用场景

Trigger on prompts asking for:
  • Retirement savings planning — "我什么时候能退休", "退休需要多少钱", "retirement planning"
  • Education fund targets — "孩子的教育金怎么规划", "education fund"
  • Balance sheet and net worth review — "帮我梳理资产负债表", "net worth overview"
  • Gap analysis — "我离目标还差多少", "gap analysis", "财务目标差距"
  • Cash flow and savings rate — "我的储蓄率", "monthly savings capacity"
Requires Longbridge login with Trade scope for account data.
当用户提出以下需求时触发：
  • 退休储蓄规划——"我什么时候能退休", "退休需要多少钱", "retirement planning"
  • 教育金目标规划——"孩子的教育金怎么规划", "education fund"
  • 资产负债表与净资产审查——"帮我梳理资产负债表", "net worth overview"
  • 差距分析——"我离目标还差多少", "gap analysis", "财务目标差距"
  • 现金流与储蓄率——"我的储蓄率", "monthly savings capacity"
需要登录Longbridge并授予Trade权限以获取账户数据。

Workflow

工作流程

  1. Fetch current account value, positions, and multi-currency cash.
  2. Ask the user for planning inputs (or use defaults):
    • Retirement age target (default: 60)
    • Annual living expenses in retirement
    • Children's education fund target (if applicable)
    • Monthly savings capacity
    • Expected portfolio return assumption
  3. Build the financial plan:
    • Net worth snapshot: investments + cash − liabilities
    • Retirement gap: target corpus − current portfolio (compounded)
    • Education fund gap: target − dedicated savings
    • Savings rate: monthly contribution vs. income
    • Years to goal: solve for 
      n
      given current value, rate, contribution
  4. Output a structured plan with actionable recommendations.
  5. Convert multi-currency assets to a common base using FX rates.
If unsure of exact flag names, run 
longbridge <subcommand> --help
before proceeding.
  1. 获取当前账户价值、持仓情况及多币种现金。
  2. 向用户询问规划输入信息（或使用默认值）：
    • 目标退休年龄（默认：60岁）
    • 退休后年度生活开支
    • 子女教育金目标（如适用）
    • 月度储蓄能力
    • 预期投资组合回报率假设
  3. 制定财务规划：
    • 净资产快照：投资资产 + 现金 − 负债
    • 退休缺口：目标资金总额 − 当前投资组合（复利计算）
    • 教育金缺口：目标金额 − 专项储蓄
    • 储蓄率：月度储蓄额与收入的比值
    • 达成目标所需年限：根据当前资产价值、回报率、月度储蓄额计算
      n
      值
  4. 输出包含可执行建议的结构化规划方案。
  5. 使用汇率将多币种资产转换为统一基准货币。
若不确定具体参数名称，请先运行
longbridge <subcommand> --help
。

CLI

CLI

bash
undefined
bash
undefined

Account portfolio market value

账户投资组合市值

longbridge portfolio --format json
longbridge portfolio --format json

Current positions (stocks, funds)

当前持仓（股票、基金）

longbridge positions --format json
longbridge positions --format json

Multi-currency exchange rates for normalisation

用于资产标准化的多币种汇率

longbridge exchange-rate --format json
undefined
longbridge exchange-rate --format json
undefined

Output structure

输出结构

PERSONAL FINANCIAL PLAN  <Date>

NET WORTH SNAPSHOT
Investment Portfolio:  $xxx,xxx (USD equivalent)
Cash & Money Market:  $xx,xxx
Total Net Worth:       $xxx,xxx

RETIREMENT PLANNING
Target Age:      60   Current Age: xx   Years: xx
Annual Expense:  $xx,xxx/yr   Corpus Needed: $x,xxx,xxx
Current Progress: $xxx,xxx (xx% of target)
Gap:             $xxx,xxx
Required Monthly Savings: $x,xxx (at x.x% p.a.)

EDUCATION FUND
Target:       $xxx,xxx  by Year 20xx
Current:      $xx,xxx   Gap: $xx,xxx
Monthly Top-up Needed: $x,xxx

SAVINGS RATE ANALYSIS
Monthly Income (estimated): $x,xxx
Monthly Savings:            $x,xxx  (xx%)
Recommendation: [On track | Increase savings by $x,xxx/month]

ACTION ITEMS
1. ...
2. ...
PERSONAL FINANCIAL PLAN  <日期>

NET WORTH SNAPSHOT
Investment Portfolio:  $xxx,xxx (USD equivalent)
Cash & Money Market:  $xx,xxx
Total Net Worth:       $xxx,xxx

RETIREMENT PLANNING
Target Age:      60   Current Age: xx   Years: xx
Annual Expense:  $xx,xxx/yr   Corpus Needed: $x,xxx,xxx
Current Progress: $xxx,xxx (xx% of target)
Gap:             $xxx,xxx
Required Monthly Savings: $x,xxx (at x.x% p.a.)

EDUCATION FUND
Target:       $xxx,xxx  by Year 20xx
Current:      $xx,xxx   Gap: $xx,xxx
Monthly Top-up Needed: $x,xxx

SAVINGS RATE ANALYSIS
Monthly Income (estimated): $x,xxx
Monthly Savings:            $x,xxx  (xx%)
Recommendation: [On track | Increase savings by $x,xxx/month]

ACTION ITEMS
1. ...
2. ...

Error handling

错误处理

Situation简体回复繁體回復English reply
Not logged in请运行 
longbridge auth login
并授予 Trade 权限。		請執行 
longbridge auth login
並授予 Trade 權限。		Run 
longbridge auth login
with Trade scope.
Empty portfolio账户暂无持仓，请先建立投资组合。賬戶暫無持倉，請先建立投資組合。No positions found — build a portfolio first.
FX rate unavailable部分货币汇率不可用，已使用近似值。部分貨幣匯率不可用，已使用近似值。Some FX rates unavailable — approximate values used.
command not found: longbridge
请安装 longbridge-terminal 或通过 MCP 连接。請安裝 longbridge-terminal 或透過 MCP 連線。Install longbridge-terminal or connect via MCP.
场景简体回复繁體回復English reply
未登录请运行 
longbridge auth login
并授予 Trade 权限。		請執行 
longbridge auth login
並授予 Trade 權限。		Run 
longbridge auth login
with Trade scope.
账户无持仓账户暂无持仓，请先建立投资组合。賬戶暫無持倉，請先建立投資組合。No positions found — build a portfolio first.
汇率不可用部分货币汇率不可用，已使用近似值。部分貨幣匯率不可用，已使用近似值。Some FX rates unavailable — approximate values used.
command not found: longbridge
请安装 longbridge-terminal 或通过 MCP 连接。請安裝 longbridge-terminal 或透過 MCP 連線。Install longbridge-terminal or connect via MCP.

MCP fallback

MCP回退方案

If 
longbridge
binary is not found, fall back to 
mcp__longbridge__portfolio
, 
mcp__longbridge__positions
, and 
mcp__longbridge__exchange_rate
.
如果未找到
longbridge
二进制文件，则回退至
mcp__longbridge__portfolio
、
mcp__longbridge__positions
和
mcp__longbridge__exchange_rate
。

Related skills

相关技能

  • longbridge-portfolio
    — account-level P&L and industry distribution
  • longbridge-positions
    — detailed stock and fund holdings
  • longbridge-risk-return
    — risk-adjusted portfolio optimisation
  • longbridge-fx
    — foreign exchange rates
  • longbridge-portfolio
    — 账户层面的盈亏及行业分布
  • longbridge-positions
    — 股票与基金持仓详情
  • longbridge-risk-return
    — 风险调整后的投资组合优化
  • longbridge-fx
    — 外汇汇率

File layout

文件结构

skills/longbridge-financial-planning/
└── SKILL.md
skills/longbridge-financial-planning/
└── SKILL.md