china-investment-proposal

Purpose

Create professional A-Share Wealth Management Investment Proposal — structured proposals for Chinese wealth management clients.

Data Sources

Primary: iFind MCP (Tier-1 paid) / AkShare MCP (Tier-2 free alternative)

get_index_data("000001")              → Market context
get_index_data("399006")              → ChiNext context
get_quote(ticker)                     → Security analysis
get_fund_data(fund_code)              → Fund analysis
get_industry_stocks(industry="...")    → Sector analysis

Secondary Sources

Portfolio management system
Research team — market outlook
Product providers — fund/insurance data

Workflow

Step 1: Understand Client Needs

Discovery questions:

Investment objective: Capital preservation and appreciation / Steady appreciation / Aggressive appreciation / Income-oriented
Time horizon: Short term (<1 year) / Medium term (1-5 years) / Long term (>5 years)
Risk tolerance: Conservative / Balanced / Growth / Aggressive
Liquidity needs: High / Medium / Low
Special considerations: Tax, estate, charity, etc.

Step 2: Market & Strategy Overview

Current market assessment:

市场展望 [Period]

一、宏观经济
   [GDP, policy, rates outlook]

二、权益市场
   - 估值水平: 沪深300 PE [Xx] (历史[X]%分位)
   - 资金面: 北向资金, 两融余额
   - 情绪指标: [Index]

三、行业配置观点
   超配 (Overweight): [Sectors] — [Rationale]
   标配 (Neutral): [Sectors]
   低配 (Underweight): [Sectors] — [Rationale]

四、风险提示
   [Key risks]

Step 3: Investment Strategy

Strategy design:

Component	Allocation	Rationale
A-share equity	XX%	Growth engine
Funds (active)	XX%	Professional management
Funds (index)	XX%	Low-cost beta
Bonds/Fixed income+	XX%	Stability, income
Cash/Money market funds	XX%	Liquidity
Alternatives (REITs, gold)	XX%	Diversification

A-share equity allocation:

Sector	Weight	Thesis
Consumer	XX%	[Rationale]
Technology	XX%	[Rationale]
Healthcare	XX%	[Rationale]
Financials	XX%	[Rationale]
New energy	XX%	[Rationale]
Other	XX%	[Rationale]

Step 4: Product Recommendations

Recommended securities:

#	Type	Security	Ticker	Allocation	Rationale	Risk Level
1	A-share individual stocks
2	Active funds
3	Index funds
4	Bonds/Wealth management
5	Cash management

For each recommendation:

Investment thesis (3-5 bullet points)
Expected return range
Risk assessment
Suitable for client profile
Minimum investment
Liquidity terms

Step 5: Risk Assessment & Disclosure

Risk factors (standard Chinese disclosures):

风险揭示

一、市场风险
   投资有风险, 入市需谨慎。本投资方案涉及A股市场投资,
   股票价格可能因市场因素大幅波动。

二、流动性风险
   部分投资品可能存在流动性限制, 赎回/卖出可能受
   市场流动性影响。

三、政策风险
   国家政策、行业监管变化可能影响投资组合表现。

四、信用风险
   固定收益类产品存在发行人信用风险。

五、汇率风险
   [If applicable]

六、其他风险
   [Product-specific risks]

Risk level match:

Conservative (Conservative type): Mainly low-risk products, equity <30%
Balanced (Balanced type): Medium risk, equity 30-60%
Growth (Growth type): Relatively high risk, equity 60-90%
Aggressive (Aggressive type): High risk, equity >90%

Step 6: Expected Returns & Scenarios

Return scenarios:

Scenario	Probability	Expected Return	Portfolio Value (3Y)
Optimistic	25%	+XX%	¥XXX万
Neutral	50%	+X%	¥XXX万
Pessimistic	25%	-X%	¥XXX万

Step 7: Implementation Plan

Implementation steps:

Step	Action	Timeline
1	Plan confirmation	[Date]
2	Account opening/activation	[Date]
3	Position building (initial position building)	[Date]
4	Phased position building (if needed)	[Date range]
5	First review	[Date]

Position building strategy:

Lump-sum position building: Suitable for aggressive type, market lows
Phased position building: Suitable for balanced type, reduces timing risk
Regular investment: Suitable for long-term investment, smooths costs

Step 8: Monitoring & Review

Review schedule:

Review Type	Frequency	Content
Daily monitoring	Daily	Market alerts, significant moves
Monthly review	Monthly	Performance, attribution
Quarterly review	Quarterly	Full review, rebalancing
Annual planning	Annual	Goal review, strategy update

Step 9: Proposal Document

Standard proposal format:

【投资建议书】
客户名称：[Name]
风险等级：[R1-R5]
投资期限：[X年]
建议日期：[Date]

一、客户需求分析
   [Goals, constraints, preferences]

二、市场展望
   [Current market assessment]

三、投资策略
   [Allocation strategy with rationale]

四、产品推荐
   [Detailed recommendations]

五、风险评估
   [Risk factors, suitability assessment]

六、预期表现
   [Return scenarios]

七、实施方案
   [Implementation plan]

八、后续服务
   [Review schedule, monitoring]

九、声明
   [Standard regulatory disclaimers]

客户签字：_________ 日期：_________
理财师签字：_________ 日期：_________

China-Specific Considerations

Suitability (Suitability management)

China regulatory requirements:

Risk level matching: Product risk ≤ Client risk tolerance
Investor classification: Ordinary investors / Professional investors
Information disclosure: Full and fair disclosure
Cooling-off period: Cooling-off period for certain products
Audio and video recording: Recording for in-person sales

Common Investment Products (China)

Product	Risk	Return	Liquidity
Bank wealth management	Low	2-4%	Medium
Money market funds	Low	1.5-2.5%	High
Government bonds	Very low	2-3%	Medium
Corporate bonds	Low-Medium	3-5%	Medium
A-share individual stocks	High	Variable	Medium
Active funds	Medium-High	Variable	Medium
Index funds/ETFs	Medium	Variable	High
Private funds	High	Variable	Low
Trusts	Medium-High	5-8%	Low
Insurance products	Low-Medium	Guaranteed + bonus	Low

Client Segmentation

Type	Profile	Strategy
Conservative type	Risk-averse, capital preservation focus	Bonds, money market, blue chips
Balanced type	Balanced, moderate growth	Balanced allocation, dividend stocks
Growth type	Growth-oriented, can tolerate volatility	Growth stocks, sector funds
Aggressive type	High risk tolerance, return-seeking	Small-caps, thematic, alternatives

Quality Checks

Before delivering:

Client profile understood
Allocation aligned with risk tolerance
Products suitable and available
Risk disclosures complete
Expected returns realistic
Implementation plan clear
Regulatory disclosures included

Data Source Mode Switch: Set env var IFIND_DATA_SOURCE_MODE to control data source preference.

ifind-only (strict): Use iFind only, error if unavailable

ifind-fallback (default): iFind preferred, fallback to AkShare

akshare-only, wind-only (Wind only), wind-fallback (Wind first, fallback to iFind → AkShare): Skip iFind, use AkShare only