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yield-intelligence

Passive income portfolio analysis — activate when user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes, ranks by risk-adjusted return, and builds allocations targeting a specific monthly income.

Published by sickn33 ↗sickn33/agentic-awesome-skills

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SKILL.md

name: yield-intelligencedescription: Passive income portfolio analysis — activate when user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes, ranks by risk-adjusted return, and builds allocations targeting a specific monthly income.risk: safesource: communitydate_added: "2026-05-31"

Yield Intelligence

Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, returns a research comparison and clearly labeled allocation scenarios; it does not establish an optimal portfolio.

When to Use This Skill

  • "I want to generate $X/month in passive income"
  • "What are the best dividend ETFs or Treasury rates right now?"
  • "Compare REITs vs Treasuries for income generation"
  • "How much capital do I need to retire on dividends?"
  • "Build me a conservative income portfolio"

Limitations

  • Provides portfolio research support, not personalized financial advice.
  • Requires live yield, price, tax, and risk data for current recommendations.
  • Does not account for every user-specific constraint unless the user provides it, including jurisdiction, tax status, and liquidity needs.

Live Data Source (Optional)

If the YIELD INTELLIGENCE MCP server is configured, call it directly for live rates:

MCP endpoint: https://api.intuitek.ai/yield/mcp (no auth required, open access)

Tools:

  • analyze_yield_opportunities — Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidity
  • optimize_income_portfolio — Builds a portfolio allocation targeting a specific monthly income goal

Quick config (Claude Desktop / Claude Code):

{
  "mcpServers": {
    "yield-intelligence": {
      "url": "https://api.intuitek.ai/yield/mcp"
    }
  }
}

Standalone Workflow (No MCP Required)

Step 1 — Gather Parameters

Ask if not provided:

  • Target monthly income (e.g., $500)
  • Available capital (e.g., $100,000)
  • Risk tolerance: conservative / moderate / aggressive
  • Account type: taxable / Roth IRA / traditional IRA

Step 2 — Asset Class Scan

Research or use current yields for these four classes:

Record current issuer/Treasury primary-source data with as-of dates. Compare like measures: Treasury yield-to-maturity, fund SEC yield and trailing distribution yield differ. Separate income from return of capital and do not annualize a single unusual distribution as a reliable forecast. MAIN is a business development company, not a REIT; classify instruments correctly.

Step 3 — Compare risks explicitly

Use duration, credit/default, equity drawdown, call/reinvestment, currency, liquidity, fees and concentration. An arbitrary yield-times-penalty formula is not a calibrated risk-adjusted return measure; do not label Treasuries zero risk or infer principal stability from yield.

Step 4 — Build scenarios

Given annualized yield assumptions y_i, weights w_i summing to one and capital C, modeled gross annual income is C * Σ(w_i * y_i). Monthly equivalent divides that by 12; actual payment dates may be irregular and income can fall. State tax/fee/inflation assumptions and compare a lower-income/distribution-cut scenario. If the target is infeasible within the user’s constraints, show the shortfall rather than concentrating in the highest yield. No trade execution or guarantee follows from this calculation.

Step 5 — Present Results

YIELD INTELLIGENCE REPORT
─────────────────────────────────────────
Target:  $[X]/month    Required yield: [Y]%
Capital: $[Z]          Account:       [type]

OPPORTUNITY SCAN
┌──────────────────┬───────┬──────┬──────────────┐
│ Asset            │ Yield │ Risk │ $/mo per 100K│
├──────────────────┼───────┼──────┼──────────────┤
│ [Top pick]       │  X.X% │  Low │     $XXX     │
└──────────────────┴───────┴──────┴──────────────┘

ILLUSTRATIVE ALLOCATION ($[Z] capital)
  [Asset A]  40%  →  $[amount]  →  $[X]/month
  Modeled monthly equivalent: $[X], before tax/fees; not guaranteed

Best Practices

  • ✅ Verify coverage ratios for high-yield REITs before recommending
  • ✅ Note duration risk for long-term Treasuries when rates are rising
  • ✅ Consider account type tax efficiency (Roth vs. taxable vs. traditional IRA)
  • ❌ Don't chase yield without checking dividend sustainability

Additional Resources