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Skillsfund-diagnosis

fund-diagnosis

Data & analytics

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Updated 10-15 19:55

About this skill

Comprehensive diagnosis of a single public fund

Skill positioning

This skill focuses ona single public fundcomprehensive diagnostic analysis, and by integrating multi-dimensional data, provides users with a structured fund evaluation report.

Core principle: analyze only one fund at a time, and do not handle multi-fund comparisons.

Trigger scenarios

This skill is triggered when the user asks the following types of questions:

  • "How is this fund?"
  • "Is XX fund suitable to continue holding?"
  • "Help me look at the risk and return characteristics of XX fund"
  • "Is XX fund worth buying?"
  • "How has XX fund performed recently?"
  • "Is XX fund good?"
  • Other general evaluation requests for a single fund

Scenarios that do not trigger:

  • Multi-fund comparison analysis (such as "Which is better, Fund A or Fund B?")
  • Fund screening (such as "Help me pick a few good bond funds")
  • Specific metric calculation (such as "What is the Sharpe ratio of XX fund?")
  • Backtest modeling (such as "Help me backtest the performance of XX fund over the past three years")

Diagnostic process

Step 1: Identify the fund

Extract the fund name or fund code from the user input. If the user only provides the fund name, first use FundBasicInfoReport to confirm the fund code.

Note: If the user input is ambiguous or there are multiple funds with the same name, proactively ask the user to confirm which specific fund it is.

Step 2: Data collection

Query fund data sequentially according to the following dimensions, and for all data queries give priority to using the gildata-aidata service:

Diagnostic dimension Query tool Description
Basic information FundBasicInfoReport Fund type, inception date, size, fees, performance benchmark, etc.
Period performance StageIncreaseReport Returns and peer rankings for the past 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years
Risk and return FundIncomeRiskReport Sharpe ratio, maximum drawdown, volatility, Calmar ratio, etc.
Dynamic drawdown FundDynamicRetracementReport Historical drawdown trend and key drawdown events
Fund manager FundManagerInfoReport Background of the current manager, years of experience, assets under management
Manager profile FundManagerImageReport Multi-dimensional ability scores (profitability, risk control, stock selection, etc.)
Asset size FundAssetSizeReport Latest size and historical change trend
Asset allocation FOFAssetDistReport Proportion of major asset classes such as stocks, bonds, and cash
Equity holdings details ShareholdingDetailReport Top ten heavyweight stocks and industry distribution
Bond holdings details DebtDetailsReport Top five heavyweight bonds (key query for bond funds)

Query tips:

  • All tools accept natural language query parameters, and the fund name or code can be passed in directly
  • For example:{"query": "易方达蓝筹精选混合"} or {"query": "005827"}

Step 3: Data Analysis and Report Generation

Based on the collected data, generate a diagnostic report according to the following structure:

Report Structure

# [基金名称]（[基金代码]）综合诊断报告

## 一、基金概况

用一段话概述基金的基本信息，包括：
- 基金类型（股票型、混合型、债券型、指数型等）
- 成立时间与运作年限
- 最新资产规模
- 基金经理及任职时间
- 业绩比较基准

## 二、业绩表现

### 阶段收益率

使用表格展示各阶段收益率及同类排名：

| 阶段 | 收益率 | 同类排名 | 同类总数 |
|------|--------|---------|---------|
| 近1月 | X% | X/XXX | XXX |
| 近3月 | X% | X/XXX | XXX |
| 近6月 | X% | X/XXX | XXX |
| 近1年 | X% | X/XXX | XXX |
| 近2年 | X% | X/XXX | XXX |
| 近3年 | X% | X/XXX | XXX |

### 业绩评价

根据收益数据给出客观评价：
- 短期表现（近1-3月）：强/中/弱
- 中期表现（近6月-1年）：强/中/弱
- 长期表现（近2-3年）：强/中/弱
- 同类排名水平：前10%/前25%/前50%/后50%/后25%

## 三、风险收益特征

### 核心风险指标

| 指标 | 数值 | 同类排名 | 解读 |
|------|------|---------|------|
| 夏普比率 | X | X/XXX | 风险调整后收益水平 |
| 最大回撤 | X% | X/XXX | 历史最大亏损幅度 |
| 年化波动率 | X% | X/XXX | 净值波动程度 |
| Calmar比率 | X | X/XXX | 收益回撤比 |

### 风险评价

- **收益风险比**：优/良/中/差（基于夏普比率）
- **回撤控制**：优/良/中/差（基于最大回撤及同类对比）
- **波动水平**：高/中/低（基于波动率及基金类型）
- **历史重大回撤**：描述最大回撤发生的时间段及恢复情况

## 四、基金经理分析

### 经理背景

- 姓名、从业年限、本基任职时间
- 投资风格标签（如有）
- 管理总规模

### 能力画像

根据基金经理多维能力评分进行分析：
- **盈利能力**：评分及同类排名
- **风控能力**：评分及同类排名
- **选股能力**：评分及同类排名
- **综合评级**：优/良/中/差

### 稳定性评估

- 任职期间是否频繁更换经理
- 管理该基金的时长（长期管理更可信）

## 五、持仓结构分析

### 大类资产配置

| 资产类别 | 占比 |
|---------|------|
| 股票 | X% |
| 债券 | X% |
| 现金 | X% |
| 其他 | X% |

### 重仓股分析（股票型/混合型基金）

列出前五大或前十大重仓股，分析：
- 行业集中度（是否集中在某个行业）
- 风格偏好（大盘/小盘、价值/成长）
- 个股集中度（前十大占净值比）

### 持债分析（债券型基金）

列出前五大重仓债券，分析：
- 信用等级分布
- 久期特征
- 转债占比（如有）

## 六、规模变动趋势

- 最新资产规模
- 近4个季度规模变化趋势（增长/缩减/稳定）
- 规模变动解读（大规模申赎可能影响运作）

## 七、综合评价与持有建议

### 优势总结

列出该基金的2-3个核心优势，例如：
- 长期业绩优秀，同类排名前X%
- 基金经理经验丰富，任职稳定
- 回撤控制良好，风险收益比佳

### 风险提示

列出该基金的2-3个主要风险，例如：
- 近期业绩波动较大，短期排名下滑
- 持仓集中度高，行业风险暴露明显
- 规模变动剧烈，可能影响投资策略执行

### 持有建议

给出客观的持有建议（非投资建议，需附加免责声明）：

**适合持有的情形：**
- 长期业绩稳定且排名靠前
- 基金经理稳定且能力突出
- 风险收益特征符合投资者风险偏好

**需要谨慎的情形：**
- 近期业绩持续落后同类
- 基金经理频繁变更
- 规模大幅缩水
- 回撤控制不佳

> ⚠️ **免责声明**：本诊断报告基于公开数据生成，仅供参考，不构成任何投资建议。基金投资有风险，过往业绩不代表未来表现，请根据自身风险承受能力谨慎决策。

Data Interpretation Guide

Performance Ranking Interpretation

  • Top 10%: Excellent, significantly outperforming peers
  • Top 10%-25%: Good, outperforming most peers
  • Top 25%-50%: Average, at the middle level among peers
  • Bottom 50%: Relatively weak, lagging behind most peers
  • Bottom 25%: Poor, requires caution

Sharpe Ratio Interpretation

  • >1.0: Excellent, good risk-adjusted return
  • 0.5-1.0: Good
  • 0-0.5: Average
  • <0: Poor, returns fail to cover risk

Maximum Drawdown Interpretation

  • Equity Funds: A drawdown of 20%-40% is within the normal range
  • Hybrid Funds: A drawdown of 15%-30% is within the normal range
  • Bond Funds: Drawdown should be kept within 5%
  • Needs to be compared against the market environment and peer average

Scale Change Interpretation

  • Scale Growth: Usually reflects increased market recognition
  • Scale Shrinkage: Need to watch whether redemptions are caused by poor performance
  • Excessive Scale(>10 billion): May affect flexibility, especially for small- and mid-cap strategies
  • Too Small Scale(<200 million): There is a risk of liquidation

Notes

  1. Data Timeliness: All data is historical data, reflecting past performance and not representing the future
  2. Objective and Neutral: The report should remain objective and neutral, avoiding overly optimistic or pessimistic statements
  3. Disclaimer: Every report must include an investment risk warning and disclaimer at the end
  4. Single Fund Limit: This skill analyzes only one fund at a time; if multiple funds are involved, inform the user of this skill's limitation and suggest diagnosing them separately
  5. Handling Missing Data: If a data query fails or data is missing, mark "data temporarily unavailable" in the report without affecting the analysis of other dimensions
  6. Fund Type Adaptation: Adjust the analysis focus according to the fund type (equity/hybrid/bond/index/FOF, etc.); bond funds focus on credit risk and duration analysis, while equity funds focus on stock selection ability and industry allocation

Tool Invocation Example

# 查询基金基本信息
finx gildata-aidata FundBasicInfoReport --body '{"query": "易方达蓝筹精选混合"}'

# 查询阶段业绩
finx gildata-aidata StageIncreaseReport --body '{"query": "005827"}'

# 查询风险收益指标
finx gildata-aidata FundIncomeRiskReport --body '{"query": "易方达蓝筹精选混合"}'

# 查询基金经理信息
finx gildata-aidata FundManagerInfoReport --body '{"query": "张坤"}'

# 查询基金经理画像
finx gildata-aidata FundManagerImageReport --body '{"query": "张坤"}'

# 查询资产规模
finx gildata-aidata FundAssetSizeReport --body '{"query": "005827"}'

# 查询资产配置
finx gildata-aidata FOFAssetDistReport --body '{"query": "易方达蓝筹精选混合"}'

# 查询持股明细
finx gildata-aidata ShareholdingDetailReport --body '{"query": "005827"}'