Install via ClawdBot CLI:
clawdbot install codekungfu/pensionsGrade Limited — based on market validation, documentation quality, package completeness, maintenance status, and authenticity signals.
Generated May 9, 2026
用户输入当前年龄、预期退休年龄、现有养老金储备及每月投入，系统模拟退休后每月可领取金额，并对比不同资产配置方案的效果。帮助用户提前规划退休目标，调整储蓄策略。
基于用户的风险测评结果和资产类别偏好，模拟不同投资组合在历史市场条件下的表现，提供年化收益、最大回撤等指标。输出优化建议，如调整股票与债券比例，以平衡收益与风险。
整合用户分散在多个平台（银行、基金公司、保险）的养老金资产，提供资产总额、每日盈亏、年化收益参考的统一看板。支持交易流水导出和对账单下载，方便用户全盘管理。
引导用户完成风险测评问卷，根据得分匹配适合的资产配置比例。对现有持仓进行穿透分析，识别集中度风险和流动性问题，并给出再平衡建议。
实时更新个人养老金账户相关的税收优惠政策、开户奖励、管理费减免等信息。用户可查询最新玩法，例如通过绑定特定银行卡获得加息券，或参与养老金定投返现活动。
提供基础资产看板免费使用，高级分析如智能投顾、个性化资产配置建议、税务优化方案按月度/年度付费订阅。收入来自用户订阅费。
通过平台推荐养老目标基金、保险产品等，用户购买后平台从合作机构获取佣金。同时，对账户内交易（如基金转换）收取低额手续费。
脱敏后汇总用户的资产配置趋势、风险偏好变化等数据，向金融机构出售行业洞察报告。同时提供面向高净值客户的一对一退休规划咨询服务（按小时或项目收费）。
💬 Integration Tip
通过API接入用户现有的银行、基金和保险账户数据，实现资产实时同步；同时提供Webhook回调，用于在资产异动或政策更新时主动通知用户。
Scored May 9, 2026
Locate anything with progressive search expansion, multi-source validation, and iterative refinement until found.
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