A lifecycle-based investment assistant that automates asset allocation, fund selection, and portfolio rebalancing based on proven financial theories.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install asset-allocator
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install asset-allocator using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Asset Allocator AI Skill?
The Asset Allocator is a core investment management skill designed for Openclaw Skills, inspired by Burton Malkiel's 'A Random Walk Down Wall Street'. It moves beyond simple advice by calculating precise investment ratios tailored to a user's specific lifecycle stage and risk tolerance. By integrating historical wisdom with modern automation, it helps users maintain a disciplined approach to wealth accumulation.
This skill bridges the gap between complex financial theory and actionable daily execution. It focuses on the principle that asset allocation determines the vast majority of long-term returns, providing users with a structured framework for domestic and international stocks, bonds, and alternative assets.
Asset Allocator AI Skill Use Cases
- Planning long-term asset allocation based on current age and retirement goals.
- Creating automated monthly investment plans (Fixed Investment Plans) for steady wealth growth.
- Executing annual portfolio rebalancing to maintain target risk levels.
- Adjusting investment strategies during major life transitions or changes in income stability.
How Asset Allocator AI Skill Works
- The skill performs a comprehensive risk assessment by analyzing age, risk preference, investment horizon, and income stability.
- It applies the lifecycle formula (e.g., Stock % = 100 - Age) and adjusts based on the user's conservative or aggressive profile.
- A detailed allocation plan is generated, covering domestic/international equities, government/corporate bonds, and emergency cash reserves.
- Specific fund recommendations are provided, prioritizing low-cost ETFs to minimize fee erosion.
- The skill establishes a rebalancing strategy, triggered when asset deviations exceed a 5% threshold.
Asset Allocator AI Skill Setup
To integrate this capability into your environment, ensure you have the core Openclaw Skills framework installed. Clone the skill repository and install dependencies:
# Clone the asset-allocator skill into your local directory
git clone https://github.com/openclaw/asset-allocator.git
# Navigate to the directory and initialize configuration
cd asset-allocator
pip install -r requirements.txt
Asset Allocator AI Skill Data Schema & Taxonomy
The Asset Allocator organizes its logic and data through a structured hierarchy of templates and scripts:
| Data Type | Location | Description |
|---|---|---|
| Core Logic | scripts/ |
Contains the allocation-calculator.py for precise ratio math. |
| Theories | references/ |
Documentation on Malkiel's theory and rebalancing logic. |
| Templates | templates/ |
Standardized Markdown formats for allocation and rebalance reports. |
| Examples | examples/ |
Pre-configured profiles for Conservative, Balanced, and Aggressive users. |
Asset Allocator AI Skill Advanced Features
- Support for dynamic risk-adjusted formulas beyond the standard age-based rule.
- Multi-asset class support including REITs, Gold, and Commodity alternatives.
- Automated rebalancing calculation tool to determine exact buy/sell amounts.
- Integration with monthly income tracking to suggest specific fixed-investment (DCA) amounts.
SKILL.md
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