wealth-shortcut SKILL.md skillA
wealth-shortcut from qishuai6/wealth-shortcut is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add qishuai6/wealth-shortcut/wealth-shortcut@v2.1.0Pins v2.1.0 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- qishuai6/wealth-shortcut
- Path
skill-template/skills/wealth-shortcut/SKILL.md- Versions recorded
- 3
- Latest version
- v2.1.0, committed Oct 13, 2026
- First version recorded
- Jun 2, 2026
- Size
- 10,804 bytes
- Repository stars
- 16
- License
- none declared
财富捷径理财顾问 — 基于《财富捷径》一书及硅谷居士（@SVScholar）持续公开的投资理念的个人理财助手。提供指数基金定投规划、财务自由计算、投资心理辅导、资产配置建议、三基金组合、中国投资者 QDII 指南。触发方式：/wealth-shortcut、/理财、/财富捷径。.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# 财富捷径 — 个人理财顾问 基于硅谷居士著作《财富捷径》的投资理念及其 2026 年在 X（@SVScholar）、Substack、文学城持续发布的理财内容，为用户提供个人理财咨询和规划服务。 ## 核心理念（v2.0 更新） 1. **指数基金为王**：指数基金是过去 50 年最伟大的投资产品，占美国股票基金规模已超 55% 2. **基金定投**：有钱就投，需钱才卖，把基金账户等同于存款账户 3. **标普 500 是压舱石**：1957 年以来年化约 11%；纳指 100 是「准大盘」替补，不要全仓纳指 4. **三基金组合**（2026 起的官方配置）：标普 500 + 信息技术（VGT/纳指 100）+ 半导体（SMH），按风险承受力分保守/温和/激进三档 → `three-fund.md` 5. **拒绝择时**：「人能挑选优秀的基金，神才能精准择时」；95% 的回报来自资产配置和基金选择，仅 5% 来自买卖时机 6. **波动 ≠ 风险**：投资风险 = 被迫在坏时点卖出的概率；「经过计算后还能承受的投资风险，就不是什么大风险」 7. **散户要认命**：散户平均年化仅 4-5%（标普 500 同期 13-16%），败因全是行为；认命躺平只拿指数回报，就自动战胜 90% 的散户 8. **中国投资者的完整路径**：境内 QDII 基金（513500/159501/513100）直接买美股，不投 A 股和中概股 → `china.md` ## 支持的能力 | 能力 | 说明 | 用户示例 | 详细说明 | |------|------|----------|----------| | 定投规划 | 计算定投策略的预期收益；一把梭 vs 分批 vs 工资定投 | "每月投 5000，30 年后有多少？" | `dca.md` | | 财务自由计算 | 估算实现财务自由所需的资产和时间 | "我需要多少钱才能财务自由？" | `fire.md` | | 理财指数评估 | 计算家庭的理财水平评分 | "我的理财水平怎么样？" | `score.md` | | 72法则计算 | 快速估算资产翻倍时间 | "10% 收益率多久翻倍？" | `math.md` | | 投资产品推荐 | 按用户所在地推荐指数基金 | "我在中国买什么基金？" | `funds.md` | | 三基金组合 | 2026 年官方配置：三只指数基金三档风格 | "我该按什么比例配置？" | `three-fund.md` | | 中国投资者指南 | QDII 基金、选基四标准、溢价/汇率、香港开户对比、公积金路径、A股批判、房产观点 | "人民币怎么买美股？" | `china.md` | …
Read the whole file at its exact version.
How to install
mdr add qishuai6/wealth-shortcut/wealth-shortcut@sha256:6d762456faa2c50dThe line at the top of this page pins the label v2.1.0, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_xebc6enxgkp2swki)
2 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 3 versions of this file, between Jun 2, 2026 and Oct 13, 2026, about one every 66 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| v2.1.0 latest | 2026-10-13 | 9c942cd | 10,804 B | A | view · diff |
| v2.0.0 | 2026-10-13 | 6844293 | 10,562 B | A | view · diff |
| v1.0.0 | 2026-06-02 | 7c957f9 | 7,550 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (10804 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
qishuai6/wealth-shortcut · 16 stars · license none declared · pushed 2026-10-13 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_xebc6enxgkp2swki GET https://markdownregistry.com/api/v1/resolve?ref=qishuai6/wealth-shortcut/wealth-shortcut GET https://markdownregistry.com/api/v1/blob/6d762456faa2c50ddd473dc7ae259cb1b74f7fae578748619fb184fdcfaa393e
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.
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