Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/ria-client-margin-of-safetyWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/ria-client-margin-of-safety)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/ria-client-margin-of-safety"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/ria-client-margin-of-safety/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/ria-client-margin-of-safety"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/ria-client-margin-of-safety.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00077 | $0.00684 |
| Opus 5 | $0.00039 | $0.00342 |
| Sonnet 5 | $0.00015 | $0.00137 |
| Haiku 4.5 | $0.00008 | $0.00068 |
Grade A, and why
ria-client-margin-of-safety scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 49 lines — stays where its author put it; the contents beside it link to each section on GitHub.
RIA — Client Plan Margin of Safety
Industry front door for margin-of-safety. Adds domain triggers, example, packs only. Parent Process unchanged. Not investment advice.
Activate when: building a retirement/decumulation plan; setting cash buffers/withdrawal rates; stress-testing a plan; client near retirement; "will they be okay if markets drop early?" Do NOT activate when: pure accumulation with long horizon and no near-term draws.
Why this variant
The parent margin-of-safety builds a buffer so estimation error doesn't cause ruin. A retiree's plan lives or dies on sequence-of-returns risk; the margin of safety is the cash/bond buffer and withdrawal haircut that lets the plan survive an early bad market.
Domain inputs → parent's Process
- Size a spending buffer (e.g. 1–3 yrs of withdrawals in cash/short bonds) so early drawdowns aren't sold at the bottom.
- Haircut the withdrawal rate below the "optimistic" number; plan to the conservative case.
- Stress-test against an early-crash sequence, not just average returns.
Worked example
$1.5M portfolio, planned 5% draw, retiring into a rich market. → Margin of safety: hold 2 years' spending in cash, set draw at 4% with a guardrail to cut in down years. A crash in year 1 is met from the buffer, not by liquidating equities low. Plan survives the sequence.
Packs
- Solo: buffer + guardrail rule embedded in every decumulation plan.
- Advisory: dynamic-spending (guardrails) policy documented in the IPS.
Red flags
- Planning to average returns, ignoring sequence risk.
- No cash buffer; forced equity sales in downturns.
- Withdrawal rate set at the optimistic edge.
Verification
- Spending buffer sized to horizon of concern
- Withdrawal haircut applied vs optimistic case
- Early-crash sequence stress-tested
- Guardrail/dynamic-spending rule documented
Part of deciqAI Knowledge Skills. Core method: margin-of-safety.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 9d ago First seen · 49 lines · 77 tokens per session scan A ce3bd132f83d
ria-client-margin-of-safety is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 11d ago), licensed MIT. It adds 77 tokens to every session and 684 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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