# Send Investing to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- 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.
## Suggested prompts
### New install

```text
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.
```
### Upgrade existing

```text
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.
```
## Machine-readable fields
```json
{
  "schemaVersion": "1.0",
  "item": {
    "slug": "investing",
    "name": "Investing",
    "source": "tencent",
    "type": "skill",
    "category": "开发工具",
    "sourceUrl": "https://clawhub.ai/satnamra/investing",
    "canonicalUrl": "https://clawhub.ai/satnamra/investing",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadUrl": "/downloads/investing",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=investing",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "SKILL.md",
      "check-etf-prices.sh",
      "monthly-dca.sh"
    ],
    "downloadMode": "redirect",
    "sourceHealth": {
      "source": "tencent",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-04-30T16:55:25.780Z",
      "expiresAt": "2026-05-07T16:55:25.780Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network",
        "contentDisposition": "attachment; filename=\"network-1.0.0.zip\"",
        "redirectLocation": null,
        "bodySnippet": null
      },
      "scope": "source",
      "summary": "Source download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this source.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/investing"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    }
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/investing",
    "downloadUrl": "https://openagent3.xyz/downloads/investing",
    "agentUrl": "https://openagent3.xyz/skills/investing/agent",
    "manifestUrl": "https://openagent3.xyz/skills/investing/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/investing/agent.md"
  }
}
```
## Documentation

### Investing Skill

A comprehensive investing assistant tailored for Lithuanian investors, inspired by šešiNuliai.lt philosophy.

### Core Philosophy

Based on evidence-based, passive investing:

VWCE & Chill - Simple, low-cost global ETF strategy
Long-term focus - 10+ year investment horizon
Diversification - Across asset classes and geographies
Low costs - Minimize fees, maximize returns

### Recommended Portfolio (Moderate Risk)

📊 Sample Allocation:
├── 70% Stocks (ETFs)
│   ├── 50% VWCE (All-World)
│   ├── 15% IXUS (Ex-US) or EIMI (Emerging)
│   └── 5% Small Cap Value
├── 10% Bonds
│   └── AGGH or Government Bonds
├── 10% Crypto
│   ├── 8% Bitcoin
│   └── 2% Ethereum
└── 10% Cash / Short-term
    └── Savings accounts, MMF

Adjust based on:

Age (younger = more stocks)
Risk tolerance
Time horizon
Income stability

### Lithuanian Sources

šešiNuliai.lt - Personal finance blog (LT)
Investuok.eu - Investment news (LT)
Vz.lt - Business news (LT)
Delfi Verslas - Business section

### International Sources

Bogleheads - Passive investing community
r/eupersonalfinance - EU-focused Reddit
JustETF - ETF comparison tool
Portfolio Visualizer - Backtesting

### Market Data

Yahoo Finance - Stock/ETF prices
TradingView - Charts
CoinGecko - Crypto prices
ECB - EUR exchange rates, interest rates

### check-etf-prices.sh

#!/bin/bash
# Check key ETF prices
echo "📈 ETF Prices - $(date '+%Y-%m-%d')"
echo "================================"

# VWCE - Vanguard FTSE All-World
curl -s "https://query1.finance.yahoo.com/v8/finance/chart/VWCE.DE" | \\
  jq -r '"VWCE: €" + (.chart.result[0].meta.regularMarketPrice | tostring)'

# EIMI - iShares Emerging Markets
curl -s "https://query1.finance.yahoo.com/v8/finance/chart/EIMI.L" | \\
  jq -r '"EIMI: £" + (.chart.result[0].meta.regularMarketPrice | tostring)'

# Bitcoin
curl -s "https://api.coingecko.com/api/v3/simple/price?ids=bitcoin&vs_currencies=eur" | \\
  jq -r '"BTC: €" + (.bitcoin.eur | tostring)'

### monthly-dca.sh

#!/bin/bash
# Calculate monthly DCA amounts
BUDGET=${1:-500}  # Monthly investment budget

echo "💰 Monthly DCA Plan - €$BUDGET"
echo "================================"
echo "VWCE (70%):   €$((BUDGET * 70 / 100))"
echo "EIMI (10%):   €$((BUDGET * 10 / 100))"
echo "BTC (10%):    €$((BUDGET * 10 / 100))"
echo "Cash (10%):   €$((BUDGET * 10 / 100))"

### 1. Market Check (5 min)

Run: check-etf-prices.sh
Check: Any significant drops (>10%) = buying opportunity

### 2. News Scan (10 min)

Scan:
- šešiNuliai.lt - new posts?
- r/eupersonalfinance - hot topics?
- ECB announcements - rate changes?

### 3. Execute DCA (5 min)

Run: monthly-dca.sh [budget]
Execute trades via:
- Interactive Brokers (ETFs)
- Bitstamp/Kraken (Crypto)

### 4. Record & Reflect (5 min)

Update:
- Portfolio tracker spreadsheet
- Note any deviations from plan
- Review annual progress

### When III Pakopa Makes Sense

Employer contribution - Free money, always take it
High tax bracket - 32%+ marginal rate
Long horizon - 15+ years to retirement
Old contract - Pre-2019 rules may be better

### Recommended Funds

FundTERNotesGoindex III pakopa0.40%Index-tracking, low costSwedbank Index0.45%Also index-basedLuminor Index0.50%Decent alternative

Avoid: High-fee active funds (1%+ TER)

### Yearly Optimization

Max out employer match first
Calculate tax benefit vs fees
Consider personal IBKR account for overflow
Review fund performance annually

### Core Holdings (90% of crypto allocation)

Bitcoin (BTC) - 80% of crypto
Ethereum (ETH) - 20% of crypto

### Rules

Never more than 10% of total portfolio
DCA monthly, don't time the market
Self-custody for large amounts (Ledger/Trezor)
Hold through cycles (5+ years)

### Where to Buy (EU)

Bitstamp - Low fees, EU regulated
Kraken - Good security, SEPA
Coinbase - Easy, but higher fees

### Emergency Fund

Before investing, ensure:

Emergency Fund = 3-6 months expenses
Location: High-yield savings account
Current best rates (LT):
- Swedbank Taupomasis: ~3%
- SEB Taupomoji: ~2.5%
- Revolut Savings: ~3.5%

### Capital Gains

15% tax on gains
Holding period: No benefit for long-term (unlike US)
Losses: Can offset gains in same year

### III Pakopa Tax Benefits

Contribution: Deduct from taxable income (up to €1,500/year)
Withdrawal: Taxed at 15% (or 0% if after retirement age)

### Crypto

15% on realized gains
Track cost basis carefully
Report in annual declaration

### Daily Price Alert

{
  "name": "Daily Market Check",
  "schedule": { "kind": "cron", "expr": "0 9 * * 1-5" },
  "payload": {
    "kind": "agentTurn",
    "message": "Check VWCE, BTC prices. Alert if >5% change from yesterday."
  }
}

### Monthly Investment Reminder

{
  "name": "Monthly DCA Reminder",
  "schedule": { "kind": "cron", "expr": "0 10 1 * *" },
  "payload": {
    "kind": "agentTurn",
    "message": "Monthly DCA time! Check budget, run monthly-dca.sh, execute trades."
  }
}

### Quarterly Review

{
  "name": "Quarterly Portfolio Review",
  "schedule": { "kind": "cron", "expr": "0 10 1 1,4,7,10 *" },
  "payload": {
    "kind": "agentTurn",
    "message": "Quarterly review: Check allocation drift, rebalance if >5% off target, update spreadsheet."
  }
}

### Books

"The Simple Path to Wealth" - JL Collins
"A Random Walk Down Wall Street" - Burton Malkiel
"The Bogleheads' Guide to Investing"

### Websites

šešiNuliai.lt (LT)
Bogleheads.org
JustETF.com
r/eupersonalfinance

### Tools

Portfolio Visualizer (backtesting)
IBKR (brokerage)
Notion/Sheets (tracking)

### Disclaimer

This is not financial advice. Do your own research. Past performance does not guarantee future results. Investing involves risk of loss.

Skill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities.
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: satnamra
- Version: 1.0.0
## Source health
- Status: healthy
- Source download looks usable.
- Yavira can redirect you to the upstream package for this source.
- Health scope: source
- Reason: direct_download_ok
- Checked at: 2026-04-30T16:55:25.780Z
- Expires at: 2026-05-07T16:55:25.780Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/investing)
- [Send to Agent page](https://openagent3.xyz/skills/investing/agent)
- [JSON manifest](https://openagent3.xyz/skills/investing/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/investing/agent.md)
- [Download page](https://openagent3.xyz/downloads/investing)