investment-analyzer

What This Skill Does

The Investment Analyzer is a comprehensive financial intelligence engine for OpenClaw designed to provide data-backed, objective investment verdicts. It functions as a personal financial consultant, automating complex real estate underwriting, ETF performance analysis, and capital allocation strategies. By pulling live data from Centris and integrating your personal financial profile (tax rates, existing holdings, and debt), the skill removes guesswork from investment decisions. It delivers standardized outputs—✅ BUY, ⚠️ INVESTIGATE, or ❌ PASS—ensuring you never make a financial move without a rigorous, risk-adjusted justification.

Installation

You can integrate this skill directly into your OpenClaw environment by running the following command in your terminal: clawhub install openclaw/skills/skills/clairproqc-star/investment-analyzer

Use Cases

• Real Estate Underwriting: Instantly evaluate residential rental properties in Quebec. The skill calculates mortgage impact, cash flow, Cap Rate, and CoC returns while accounting for local variables like the Welcome Tax and maintenance reserves.
• Portfolio Optimization: Analyze ETFs (like VFV or XEQT) to check for portfolio overlap, MER efficiency, and historical performance relative to your established financial goals.
• Asset Class Comparison: Resolve the 'ETF vs. Property' debate by modeling specific capital amounts through after-tax scenarios, factoring in leverage, marginal tax rates, and capital gains implications.
• Automated Property Hunting: Utilize the Centris scanning engine to filter thousands of listings in Sherbrooke (or target cities), surfacing only those that meet your strict investment criteria.
• DCA (Dollar Cost Averaging) Strategy: Automate your paycheck allocation based on a hierarchy of financial health: emergency funding, tax-advantaged account contributions (TFSA/RRSP), and LOC debt management.

Example Prompts

1. "Should I buy the property at 123 Rue de la Gare for $450,000? Estimated rent is $2,200."
2. "Compare an investment of $50,000 in XEQT versus a down payment on a rental property. Which offers better after-tax returns?"
3. "Run a scan for investment properties in Sherbrooke between $300k and $500k, and let me know which ones look like a good buy."

Tips & Limitations

• Data Integrity: Ensure references/profile.md and references/portfolio.md are updated regularly. The accuracy of the verdict is entirely dependent on the quality of your input data.
• Regional Specifics: This tool is optimized for the Quebec market (accounting for local tax laws). Usage outside of this jurisdiction may require script adjustments.
• Disclaimer: Always remember that this tool provides data-driven analysis, not financial advice. Validate critical figures with a tax professional or licensed mortgage broker before finalizing transactions.