git:20260924.827f42c to git:20260924.abdb9ac

1 added, 1 removed. Audit A to A.

---

description: Investment analysis rules and frameworks for InvestSkill project

globs: ["**/*.md", "prompts/**", "plugins/**"]

alwaysApply: true

---

# InvestSkill — Cursor Rules & Setup Guide

This is the InvestSkill repository — a collection of 30 professional investment analysis frameworks for US stocks. These rules automatically apply when you work in this project.

## Installation & Setup

### Automatic Setup

Cursor automatically loads this file when you open the InvestSkill repository. **No manual installation required.**

1. **Clone the repository:**

```bash

git clone https://github.com/yennanliu/InvestSkill.git

```

2. **Open in Cursor:**

```bash

cd InvestSkill

cursor .

```

3. **Open AI Chat** (usually `Cmd+K`)

- Cursor automatically loads the investment analysis rules

- All 30 frameworks are immediately available

### Verify Setup

In Cursor AI Chat, try:

```

@prompts/stock-valuation.md Analyze Apple (AAPL)

```

If the framework loads, setup is complete!

---

## Available Analysis Frameworks (30 frameworks + 3 aliases + 1 output tool)

### Core Stock Analysis (4 frameworks)

| Framework | File | Best For |

|-----------|------|----------|

| Stock Evaluation | `@prompts/stock-eval.md` | Piotroski scoring, quality metrics |

| Stock Valuation | `@prompts/stock-valuation.md` | DCF + comparable companies + EV multiples |

| Technical Analysis | `@prompts/technical-analysis.md` | Chart patterns, volume, indicators |

| Economics Analysis | `@prompts/economics-analysis.md` | Macro indicators, recession probability |

### Financial Report Analysis (3 frameworks)

| Framework | File | Best For |

|-----------|------|----------|

| Financial Report Analyst | `@prompts/financial-report-analyst.md` | 10-K, 10-Q, annual reports |

| 10-K Report Digest | `@prompts/10k-digest.md` | Structured digest doc — abstract, section summaries, metrics, refs (EN/繁中) |

| Earnings Call Analysis | `@prompts/earnings-call-analysis.md` | Management tone, guidance, themes |

### Market Monitoring (4 frameworks)

| Framework | File | Best For |

|-----------|------|----------|

| Insider Trading | `@prompts/insider-trading.md` | Form 4 insider buying/selling |

| Institutional Ownership | `@prompts/institutional-ownership.md` | 13F holdings, smart money moves |

| Dividend Analysis | `@prompts/dividend-analysis.md` | Dividend safety, yield trap detection |

| Short Interest | `@prompts/short-interest.md` | Short squeeze scoring, thesis evaluation |

### Advanced Analysis (14 frameworks)

| Framework | File | Best For |

|-----------|------|----------|

| Competitor Analysis | `@prompts/competitor-analysis.md` | Moat scoring, Porter's Five Forces |

| Industry Map | `@prompts/industry-map.md` | Supply/value-chain graph, chokepoints, value-pool migration |

| Options Analysis | `@prompts/options-analysis.md` | Greeks, IV rank, strategy selection |

| Portfolio Review | `@prompts/portfolio-review.md` | Allocation optimization, performance |

| Sector Analysis | `@prompts/sector-analysis.md` | Sector rotation, opportunity identification |

| Stock Screener | `@prompts/stock-screener.md` | Multi-ticker ranking across valuation, quality, momentum, sentiment, growth |

| Catalyst Calendar | `@prompts/catalyst-calendar.md` | Forward-looking 90-day event calendar, impact scoring |

| Bear Case | `@prompts/bear-case.md` | One-sided short thesis, downside target, counterevidence to a bull thesis |

| Position Ladder | `@prompts/position-ladder.md` | Staged entry ladder, share-count floor/ceiling, trim/re-add cost-basis cycle, wash-sale flags |

| Thesis Tracker | `@prompts/thesis-tracker.md` | Write, save, and re-check an investment thesis — KPIs with thresholds, invalidation triggers, catalysts, a pre-mortem, and a decision log; `--update` re-reads the saved file against new data and returns INTACT / WEAKENED / BROKEN |

| ETF Analysis | `@prompts/etf-analysis.md` | ETF / index-fund due diligence — expense ratio vs. category, tracking difference, liquidity, holdings concentration and tilt, overlap with your other positions, distribution and capital-gains history, structure warnings, and an ETF-vs-top-holdings comparison, scored as an ETF Fitness Score 0–10 |

| Earnings Preview | `@prompts/earnings-preview.md` | The before-earnings skill — consensus vs. whisper, 8-quarter beat rate and post-print move distribution, options-implied vs. realized move, what the current price already assumes, the KPIs to watch, and a three-scenario grid (beat-and-raise / beat-and-lower / miss) with expected reaction and a position rule for each |

| Tax Lens | `@prompts/tax-lens.md` | US tax mechanics for a position or portfolio — short- vs. long-term treatment, wash-sale window check, qualified-dividend holding-period test, lot selection (specific-ID vs. FIFO), tax-loss-harvesting pairs, account placement, estimated annual tax drag — plus a --non-us module (W-8BEN, dividend withholding and treaty rates, capital-gains treatment, US estate-tax exposure, UCITS alternatives). Educational only, never tax advice |

| Risk Stress Test | `@prompts/risk-stress-test.md` | Portfolio and position risk report — beta-weighted exposure, historical scenario replay (2008, March 2020, 2022 rate shock, 2025 tariff shock), parametric VaR / CVaR at 95 / 99 %, max-drawdown estimate, correlation-spike scenario, rate / USD / oil sensitivity, liquidity (days to exit at 20 % of ADV), and a Risk Budget Score 0–10 |

### Full Report (1 frameworks)

| Framework | File | Best For |

|-----------|------|----------|

| Full Report (HTML) | `@prompts/full-report.md` | Runs all modules and saves a standalone HTML report |

### Meta-Analysis & Visualization (5 frameworks)

| Framework | File | Best For |

|-----------|------|----------|

| Result Validator | `@prompts/result-validator.md` | Validate any analysis + confidence score |

| Chart Master | `@prompts/chart-master.md` | Generate Mermaid/ASCII/HTML charts |

| Report Generator | `@prompts/report-generator.md` | Export analysis as a professional HTML/PDF report |

| Learning Coach | `@prompts/learning-coach.md` | Explains any InvestSkill output like a mentor — every metric in plain words, why it matters, its good / bad range, and the lesson that teaches it — then asks 3–5 Socratic questions and "what would change your mind?". --level beginner / intermediate, --lang zh-TW, and a --quiz mode that drills a Learning lesson |

| Fact Check | `@prompts/fact-check.md` | Claim-level verification of any report or data set — extract every figure and factual claim, check each against a primary source (SEC filing, company IR, FRED, exchange data, or the user's own document), recompute derived numbers, mark ✅ verified / ⚠️ mismatch / ❓ unverifiable, and re-issue the report with inline citations and a References section; Verification Score 0–10 |

### Aliases (3 redirects — installed, not counted as frameworks)

These stubs remain so old references keep working; each points at the framework that absorbed it.

| Framework | File | Redirects to |

|-----------|------|--------------|

| Fundamental Analysis | `@prompts/fundamental-analysis.md` | `@prompts/stock-eval.md` |

| DCF Valuation | `@prompts/dcf-valuation.md` | `@prompts/stock-valuation.md` |

| Research Bundle | `@prompts/research-bundle.md` | `@prompts/full-report.md` |

---

## Usage Examples

### Verify a Report Before You Trust It

- ```

+ ```text

# Claim-level fact-check with citations — paste the report and its sources

@prompts/fact-check.md [paste the report + the 10-K excerpt / IR release] Verify every number and add sources

# Then score the reasoning

@prompts/result-validator.md [paste the corrected report and the fact-check ledger] Score confidence

```

### Natural Language Queries

Cursor understands the investment context naturally:

```

# Evaluate a stock

Perform a comprehensive stock evaluation of Microsoft

# Get a valuation

What's a fair valuation for Apple using DCF and comparable companies?

# Technical analysis

Analyze Tesla's technical chart setup and key resistance levels

# Financial statement analysis

Deep dive into NVIDIA's balance sheet and cash flow quality

# Economics outlook

Is a recession likely in the next 12 months?

# Combined analysis

Analyze Apple from both fundamental and technical angles

```

### Explicit Framework References

Use `@prompts/` references for precise methodology:

```

# Stock valuation with all methods

@prompts/stock-valuation.md Analyze AAPL using all valuation methods

# Fundamental analysis

@prompts/stock-eval.md Deep dive on Microsoft's fundamentals

# Technical setup

@prompts/technical-analysis.md What are the key chart levels for NVDA?

# Financial reports

@prompts/financial-report-analyst.md Analyze this 10-K filing: [paste text]

# 10-K digest (structured markdown doc, EN or 繁中)

@prompts/10k-digest.md AAPL FY2024 --lang zh-TW

# Earnings transcript

@prompts/earnings-call-analysis.md What's the management tone here? [paste transcript]

```

### With Financial Data

```

# Paste balance sheet

@prompts/stock-eval.md

[paste balance sheet, income statement, cash flow]

# Paste SEC filing for investment analysis

@prompts/financial-report-analyst.md

[paste 10-Q or annual report text]

# Generate structured 10-K digest document

@prompts/10k-digest.md

[paste 10-K sections or specify ticker + fiscal year]

# Paste earnings transcript

@prompts/earnings-call-analysis.md

[paste earnings call transcript]

# Portfolio holdings

@prompts/portfolio-review.md Review my portfolio:

AAPL: 30%

MSFT: 25%

NVDA: 20%

JNJ: 15%

TSLA: 10%

```

### Stock Comparison

```

# Compare valuations

@prompts/stock-valuation.md Compare AAPL vs MSFT valuations

# Compare fundamentals

@prompts/stock-eval.md Compare AAPL and MSFT balance sheets

# Multi-stock analysis

@prompts/full-report.md Analyze AAPL, MSFT, and GOOGL

```

### Specialized Analysis

```

# Dividend safety

@prompts/dividend-analysis.md Is the JNJ dividend safe?

# Short squeeze potential

@prompts/short-interest.md Evaluate short squeeze potential in GME

# Bear case / counterevidence

@prompts/bear-case.md Build the bear case against TSLA and give a downside target

# Position plan for an existing holding

@prompts/position-ladder.md I hold 20 AVGO at $128, now $122 — plan a 60–100 share ladder

# Options strategy

@prompts/options-analysis.md Find bullish options strategies for AAPL earnings

# Competitive moat

@prompts/competitor-analysis.md Does Apple have a defensible moat?

# Insider activity

@prompts/insider-trading.md What are insiders buying at Tesla?

# Smart money tracking

@prompts/institutional-ownership.md Which institutions are buying tech stocks?

# Sector opportunities

@prompts/sector-analysis.md Which sectors should rotate into?

```

### Full Research Report

```

# Complete analysis on one stock

@prompts/full-report.md Provide a comprehensive analysis of Apple (AAPL)

# Quick version

@prompts/full-report.md Quick analysis of Microsoft

# Multi-stock comparison

@prompts/full-report.md Compare AAPL, MSFT, and GOOGL comprehensively

```

### Follow-Up Questions

Cursor remembers context for follow-ups:

```

# Initial analysis

@prompts/stock-valuation.md Build a DCF model for Microsoft

# Natural follow-ups:

What if revenue growth slows to 8%?

How sensitive is the valuation to WACC?

What's the downside case?

What's the margin of safety?

```

---

## Output Format Standards

Every analysis in this workspace follows this structure:

### 1. Executive Summary

- Clear investment thesis

- Primary bullish/bearish drivers

- Time horizon and conviction

### 2. Quantitative Analysis

- **Specific numbers** (not estimates)

- Year-over-year or period comparisons

- Industry/peer benchmarking

- Valuation multiples and metrics

### 3. Qualitative Assessment

- Management quality and capital allocation

- Competitive positioning and economic moat

- Market opportunity and growth drivers

- Risk factors and thesis invalidators

### 4. Standardized Signal Block

All analyses MUST end with this format:

```

╔══════════════════════════════════════════════╗

║ INVESTMENT SIGNAL ║

╠══════════════════════════════════════════════╣

║ Signal: BULLISH / NEUTRAL / BEARISH ║

║ Confidence: HIGH / MEDIUM / LOW ║

║ Horizon: SHORT / MEDIUM / LONG-TERM ║

║ Score: X.X / 10 ║

╠══════════════════════════════════════════════╣

║ Action: BUY / HOLD / SELL ║

║ Conviction: STRONG / MODERATE / WEAK ║

╚══════════════════════════════════════════════╝

```

---

## File Structure Rules

### When Working on Skills

- **Skill definitions**: `plugins/us-stock-analysis/skills/<skill-name>/SKILL.md`

- Requires YAML frontmatter with `description` field

- Used only for Claude Code plugin

- **Universal prompts**: `prompts/<skill-name>.md`

- Works with Gemini, Copilot, Cursor, and any AI

- Must match the corresponding SKILL.md

- NO slash commands or platform-specific syntax

- **Plugin manifest**: `plugins/us-stock-analysis/.claude-plugin/plugin.json`

- Lists all available skills for Claude Code

- Update when adding new skills

- **Marketplace config**: `.claude-plugin/marketplace.json`

- Version and marketplace metadata

- Update when releasing new versions

### When Adding New Skills

1. **Create skill definition:**

```

plugins/us-stock-analysis/skills/<skill-name>/SKILL.md

```

- Add frontmatter with `description`

- Write the full prompt framework

- Include signal block template

2. **Create universal prompt:**

```

prompts/<skill-name>.md

```

- Copy from SKILL.md

- Remove any platform-specific syntax

- Ensure it's AI-agnostic

3. **Update manifest files:**

- Add to `plugins/us-stock-analysis/.claude-plugin/plugin.json` skills array

- Update `.claude-plugin/marketplace.json` version

- Update `README.md` skills list and structure

4. **Update documentation:**

- Add entry to `README.md` (Skills section)

- Update structure diagram in README

- Update CHANGELOG.md with new feature

---

## Analysis Quality Standards

Every analysis output in this repository MUST include:

1. **Quantitative Data**

- Specific numbers (not "around X%" or "approximately")

- Financial metrics with actual values

- Valuation multiples with proper context

2. **Comparisons**

- Year-over-year growth rates

- Period-over-period trends

- Industry/peer benchmarking

- Historical ranges

3. **Context & Benchmarking**

- How does metric X compare to peers?

- Is this above or below historical average?

- What's the industry standard?

4. **Risk Assessment**

- What could invalidate this thesis?

- Downside scenarios and triggers

- Key assumptions and sensitivities

5. **Standardized Signal Block**

- Always at the end of every analysis

- Uses consistent format

- Provides actionable recommendation

---

## Project Structure

```

InvestSkill/

├── .cursor/

│ └── rules/

│ └── invest-skill.mdc # This file (auto-loaded)

├── .github/

│ └── copilot-instructions.md # GitHub Copilot integration

├── prompts/ # 30 frameworks (+ 3 aliases, 1 output tool)

│ ├── stock-eval.md

│ ├── stock-valuation.md

│ ├── fundamental-analysis.md

│ ├── technical-analysis.md

│ ├── dcf-valuation.md

│ ├── economics-analysis.md

│ ├── financial-report-analyst.md

│ ├── 10k-digest.md

│ ├── earnings-call-analysis.md

│ ├── insider-trading.md

│ ├── institutional-ownership.md

│ ├── competitor-analysis.md

│ ├── dividend-analysis.md

│ ├── short-interest.md

│ ├── options-analysis.md

│ ├── portfolio-review.md

│ ├── sector-analysis.md

│ ├── bear-case.md

│ ├── position-ladder.md

│ ├── research-bundle.md

│ ├── result-validator.md

│ ├── chart-master.md

│ ├── thesis-tracker.md

│ ├── etf-analysis.md

│ ├── earnings-preview.md

│ ├── tax-lens.md

│ ├── risk-stress-test.md

│ ├── learning-coach.md

│ ├── fact-check.md

│ └── report-generator.md # HTML/PDF report design system

├── plugins/

│ └── us-stock-analysis/

│ ├── .claude-plugin/

│ │ └── plugin.json # Claude Code plugin manifest

│ └── skills/ # Claude Code skills

├── .claude-plugin/

│ └── marketplace.json # Marketplace config

├── GEMINI.md # Gemini CLI setup

├── README.md # Complete documentation

└── CHANGELOG.md # Version history

```

---

## Tips for Best Results

### 1. Use Framework References

```

# Good: explicit reference

@prompts/stock-valuation.md Analyze AAPL

# Also works: natural language (Cursor applies framework context)

What's a fair valuation for Apple?

```

### 2. Provide Context Data

```

# Better results with specific info

@prompts/stock-valuation.md

Analyze MSFT assuming:

- Revenue growth: 10% CAGR

- WACC: 8.5%

- Terminal growth: 2.5%

- Current price: $450/share

```

### 3. Paste Financial Data

```

# Cursor can analyze pasted data directly

@prompts/stock-eval.md

[paste balance sheet]

[paste income statement]

Analyze liquidity and profitability trends

```

### 4. Chain Multiple Analyses

```

# Comprehensive approach

First: @prompts/stock-eval.md for NVDA quality

Then: @prompts/technical-analysis.md for chart patterns

Finally: @prompts/institutional-ownership.md for positioning

```

### 5. Ask Follow-Ups

```

# Cursor remembers context

@prompts/stock-valuation.md Value MSFT

Then ask:

What's the valuation if growth slows to 8%?

How important is the cloud margin assumption?

What's the bull/bear case range?

```

---

## Cursor-Specific Tips

### Use @-mentions for Files

```

# Reference prompt files directly

@prompts/stock-valuation.md [your query]

# Cursor will load the framework automatically

```

### Paste Documents

```

# You can paste or upload documents

@prompts/financial-report-analyst.md [upload 10-K PDF or paste text]

```

### Use Chat Memory

```

# Cursor remembers your conversation

1. First message: analyze AAPL fundamentals

2. Follow-up: "What about the technical setup?"

3. Cursor remembers it's about AAPL

```

---

## Troubleshooting

### Framework not loading

```

# Make sure file reference is correct:

@prompts/stock-valuation.md (not stock-val or valuation)

# Files are in the prompts/ directory

# Verify the exact filename matches

```

### Want more detailed analysis

```

# Ask Cursor for more depth:

@prompts/stock-eval.md

Analyze AAPL with:

- Detailed cash flow quality metrics

- Working capital trends

- Debt maturity schedule

- Segment margin analysis

```

### Need specific format

```

# Request format changes:

@prompts/stock-eval.md Value MSFT, format as:

1. Executive summary (1 paragraph)

2. Key metrics (table)

3. Quality score with breakdown

4. Bull/bear case

5. Investment signal

```

---

## Additional Resources

- **README.md** — Full setup for Claude Code, Gemini, Copilot, Cursor

- **GEMINI.md** — Detailed Gemini CLI guide

- **.github/copilot-instructions.md** — GitHub Copilot integration guide

- **prompts/** — All 30 framework files (+ 3 aliases, 1 output tool)

- **GitHub Issues** — Report problems or request features

---

## Disclaimer

These analysis frameworks are for **educational purposes only** and do **not** constitute financial advice. Always consult a qualified financial advisor before making investment decisions. Past performance does not guarantee future results.