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    "name": "Invest",
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    "type": "skill",
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        },
        {
          "label": "Upgrade existing",
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    "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
    "steps": [
      "Download the package from Yavira.",
      "Extract it into a folder your agent can access.",
      "Paste one of the prompts below and point your agent at the extracted folder."
    ],
    "prompts": [
      {
        "label": "New install",
        "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete."
      },
      {
        "label": "Upgrade existing",
        "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run."
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    "sections": [
      {
        "title": "⚠️ Important Disclaimer",
        "body": "This is general educational information, NOT personalized investment advice.\n\nThis AI is not a registered investment adviser, broker-dealer, or fiduciary\nPast performance does not guarantee future results\nTax treatment varies by jurisdiction and individual circumstances\nYou should consult a qualified financial professional before making investment decisions\nInformation may become outdated; verify current rules with official sources\n\nBy using this skill, you acknowledge it provides education only and accept full responsibility for your financial decisions."
      },
      {
        "title": "Triggers",
        "body": "Activate on: general investing questions, \"how does investing work\", account type explanations, common investing concepts.\n\nAlways redirect to professional: Specific investment recommendations, tax optimization, estate planning, complex situations."
      },
      {
        "title": "Before Investing — Common Checklist",
        "body": "Financial educators commonly suggest:\n\nEmergency fund (often cited as 3-6 months expenses)\nHigh-interest debt addressed first\nClear timeline for when funds may be needed\nUnderstanding of personal risk tolerance\n\nIndividual circumstances vary. A financial advisor can help assess readiness."
      },
      {
        "title": "Getting Started — Common Approaches",
        "body": "Many beginners:\n\nResearch brokerage options (various low-cost providers exist)\nConsider target-date funds (single-fund diversification)\nStart with affordable amounts\nAvoid checking balances frequently\n\nFor detailed first steps, see getting-started.md.\n\nThese are common approaches, not recommendations. Consult an advisor for personalized guidance."
      },
      {
        "title": "Account Types (US Examples)",
        "body": "AccountGeneral characteristics401(k)Employer-sponsored, often with matchingIRAIndividual, various tax treatmentsHSAHealth-related, triple tax treatmentTaxableFlexible, no contribution limits\n\nA common suggestion is to capture employer matching first. Tax implications are individual — consult a tax professional.\n\nFor non-US investors, see international.md for regional account types."
      },
      {
        "title": "Common Portfolio Approaches",
        "body": "Target-date funds: Adjust allocation automatically over time\nIndex funds: Broad market exposure, typically low fees\nDiversification: Spreading across asset types\n\nFor allocation concepts, see allocation.md.\n\nAny allocation depends on individual age, goals, risk tolerance, and circumstances. A financial advisor can help determine appropriate approaches."
      },
      {
        "title": "Historical Context (Not Predictions)",
        "body": "Markets have historically experienced:\n\nRegular volatility (temporary declines are normal)\nBoth gains and significant losses\nLong-term growth patterns (though past performance does not guarantee future results)\n\nImportant: Actual returns vary significantly based on time period, specific investments, fees, taxes, inflation, and investor behavior. You could lose some or all of invested capital."
      },
      {
        "title": "Common Mistakes Discussed in Financial Education",
        "body": "PatternWhy it's discussedAttempting to time marketsResearch suggests difficulty vs staying investedReacting to short-term dropsMay lock in lossesHigh-fee investmentsFees compound over timeLack of diversificationConcentration risk\n\nGeneral education only. Consult a professional before acting."
      }
    ],
    "body": "⚠️ Important Disclaimer\n\nThis is general educational information, NOT personalized investment advice.\n\nThis AI is not a registered investment adviser, broker-dealer, or fiduciary\nPast performance does not guarantee future results\nTax treatment varies by jurisdiction and individual circumstances\nYou should consult a qualified financial professional before making investment decisions\nInformation may become outdated; verify current rules with official sources\n\nBy using this skill, you acknowledge it provides education only and accept full responsibility for your financial decisions.\n\nTriggers\n\nActivate on: general investing questions, \"how does investing work\", account type explanations, common investing concepts.\n\nAlways redirect to professional: Specific investment recommendations, tax optimization, estate planning, complex situations.\n\nBefore Investing — Common Checklist\n\nFinancial educators commonly suggest:\n\nEmergency fund (often cited as 3-6 months expenses)\nHigh-interest debt addressed first\nClear timeline for when funds may be needed\nUnderstanding of personal risk tolerance\n\nIndividual circumstances vary. A financial advisor can help assess readiness.\n\nGetting Started — Common Approaches\n\nMany beginners:\n\nResearch brokerage options (various low-cost providers exist)\nConsider target-date funds (single-fund diversification)\nStart with affordable amounts\nAvoid checking balances frequently\n\nFor detailed first steps, see getting-started.md.\n\nThese are common approaches, not recommendations. Consult an advisor for personalized guidance.\n\nAccount Types (US Examples)\nAccount\tGeneral characteristics\n401(k)\tEmployer-sponsored, often with matching\nIRA\tIndividual, various tax treatments\nHSA\tHealth-related, triple tax treatment\nTaxable\tFlexible, no contribution limits\n\nA common suggestion is to capture employer matching first. Tax implications are individual — consult a tax professional.\n\nFor non-US investors, see international.md for regional account types.\n\nCommon Portfolio Approaches\nTarget-date funds: Adjust allocation automatically over time\nIndex funds: Broad market exposure, typically low fees\nDiversification: Spreading across asset types\n\nFor allocation concepts, see allocation.md.\n\nAny allocation depends on individual age, goals, risk tolerance, and circumstances. A financial advisor can help determine appropriate approaches.\n\nHistorical Context (Not Predictions)\n\nMarkets have historically experienced:\n\nRegular volatility (temporary declines are normal)\nBoth gains and significant losses\nLong-term growth patterns (though past performance does not guarantee future results)\n\nImportant: Actual returns vary significantly based on time period, specific investments, fees, taxes, inflation, and investor behavior. You could lose some or all of invested capital.\n\nCommon Mistakes Discussed in Financial Education\nPattern\tWhy it's discussed\nAttempting to time markets\tResearch suggests difficulty vs staying invested\nReacting to short-term drops\tMay lock in losses\nHigh-fee investments\tFees compound over time\nLack of diversification\tConcentration risk\n\nGeneral education only. Consult a professional before acting."
  },
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    "sourceLabel": "tencent",
    "provenanceUrl": "https://clawhub.ai/ivangdavila/invest",
    "publisherUrl": "https://clawhub.ai/ivangdavila/invest",
    "owner": "ivangdavila",
    "version": "1.0.0",
    "license": null,
    "verificationStatus": "Indexed source record"
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