suitability-report-generator

Compare original and translation side by side

🇺🇸

Original

English

🇨🇳

Translation

Chinese

Investment Suitability Report Generator

投资适用性报告生成工具

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.

担任具备合规意识的投资文档专员，生成机构级投资适用性报告，记录投资建议或投资组合背后的依据、风险因素、客户适用性评估及关键假设。

Workflow

工作流程

Step 1: Gather Context

步骤1：收集背景信息

Collect the inputs needed for the report:

Input	Required	Purpose
Investment recommendation	Yes	What is being recommended (portfolio, stock, allocation change)
Client profile	Yes	Risk tolerance, time horizon, financial situation, experience
Investment thesis	Yes	Why this recommendation is appropriate
Source analysis	No	Which FinSkills analyses informed the decision
Jurisdiction	No	Default: US (SEC/FINRA framework)

收集报告所需的输入信息：

输入项	是否必填	用途
投资建议	是	推荐的内容（投资组合、个股、配置调整）
客户档案	是	风险承受能力、投资期限、财务状况、投资经验
投资逻辑	是	该建议为何合适的原因
参考分析来源	否	哪些FinSkills分析为决策提供了依据
司法管辖区	否	默认：美国（SEC/FINRA框架）

Step 2: Investment Rationale

步骤2：投资依据

Document the investment thesis and supporting evidence:

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

记录投资逻辑及支持证据：

建议摘要 — 用通俗易懂的语言说明推荐内容及原因
支持性分析 — 支持该建议的关键数据点、指标和研究结果
市场背景 — 当前市场环境及其与该建议的关联
备选方案考量 — 评估过哪些其他方案，以及为何选择本方案
预期结果 — 预计回报区间、投资期限及关键假设

Step 3: Risk Factor Disclosure

步骤3：风险因素披露

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

Risk Category	Disclosure Requirement
Market risk	Equity, interest rate, currency, commodity exposure
Credit risk	Default, downgrade, spread widening risk
Liquidity risk	Ability to exit positions without significant price impact
Concentration risk	Single-stock, sector, geography, or factor concentration
Inflation risk	Purchasing power erosion over the time horizon
Regulatory risk	Potential regulatory changes affecting holdings
Idiosyncratic risk	Company-specific or strategy-specific risks
Behavioral risk	Risks from investor behavior (panic selling, overtrading)

For each risk, provide:

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

识别并记录所有重大风险因素。风险分类可参考references/report-framework.md。

风险类别	披露要求
市场风险	股票、利率、汇率、大宗商品敞口
信用风险	违约、评级下调、利差扩大风险
流动性风险	无需大幅折价即可平仓的能力
集中度风险	个股、行业、地域或因子集中度
通胀风险	投资期限内购买力的侵蚀
监管风险	可能影响持仓的潜在监管变化
特殊风险	公司特定或策略特定风险
行为风险	投资者行为带来的风险（恐慌性抛售、过度交易）

针对每项风险，需提供：

通俗易懂的描述
严重程度评估（高/中/低）
投资组合中的风险缓释措施

Step 4: Client Suitability Assessment

步骤4：客户适用性评估

Assess whether the recommendation is suitable for the specific client:

Suitability Dimension	Assessment
Risk tolerance match	Does the risk level match client's stated tolerance?
Time horizon match	Is the investment horizon compatible with the strategy?
Liquidity needs	Can the client access funds when needed?
Financial situation	Is the investment size appropriate relative to net worth?
Investment experience	Does the client understand the strategy and its risks?
Tax situation	Are tax implications considered and appropriate?
Existing portfolio context	Does 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)

评估该建议是否适合特定客户：

适用性维度	评估内容
风险承受能力匹配度	风险水平是否与客户声明的承受能力相符？
投资期限匹配度	投资期限是否与策略兼容？
流动性需求	客户能否在需要时获取资金？
财务状况	投资规模相对于客户净资产是否合适？
投资经验	客户是否理解该策略及其风险？
税务状况	是否考虑了税务影响且方案合适？
现有投资组合背景	该建议是否契合客户整体财务状况？

评估结论需为以下之一：

适合 — 建议在所有维度均与客户档案相符
有条件适合 — 整体合适，但存在特定条件或监控要求
不适合 — 建议与客户档案不匹配（需说明原因）

Step 5: Key Assumptions and Limitations

步骤5：关键假设与局限性

Document explicitly:

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

明确记录：

资本市场假设 — 使用的预期回报、波动率、相关性数据
数据来源 — 分析输入数据的来源
模型局限性 — 分析无法覆盖的内容
时效性 — 建议可能失效的速度
逻辑不成立的场景 — 会使建议失效的特定条件

Step 6: Generate Report

步骤6：生成报告

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

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

根据references/output-template.md将内容整理为结构化报告：

执行摘要 — 供决策者参考的单页概述
投资依据 — 详细的逻辑及证据
风险披露 — 全面的风险记录
客户适用性评估 — 正式的适用性评估
关键假设与局限性 — 明确的记录文档
监管免责声明 — 符合司法管辖区要求的表述

Data Enhancement

数据增强

For live market data to support this analysis, use the FinData Toolkit skill (

findata-toolkit-us

). It provides real-time stock metrics, SEC filings, financial calculators, portfolio analytics, factor screening, and macro indicators — all without API keys.

如需实时市场数据支持分析，可使用FinData Toolkit技能（

findata-toolkit-us

）。该工具提供实时个股指标、SEC filings、金融计算器、投资组合分析、因子筛选及宏观指标，且无需API密钥。

Important Guidelines

重要指南

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.

清晰优先于术语：为客户撰写，而非合规人员。优先使用通俗易懂的语言，必要时再使用专业术语。
观点平衡：同时呈现看多和看空观点。仅宣传投资优势的适用性报告是风险信号。
具体明确：“市场可能下跌”并非有用的风险披露。需明确说明本建议易受哪些因素影响及影响程度。
合规意识：根据司法管辖区调整表述。美国报告需符合SEC/FINRA的适用性及最佳利益（Reg BI）标准。
非法律/合规建议：本技能生成的是草稿文档。实际合规文档需经合格的合规专业人员审核。
可审计性：报告需包含足够细节，确保监管机构审核时能理解决策过程。