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tax-efficient-investing

tax-efficient-investing is a skill for Claude Code from GAJETOso/financeskills. It costs 88 tokens per session (895 once invoked), scanned A, original, MIT.

A guide to investing in a way that considers taxes. It compares taxable and tax-advantaged accounts, contribution priorities, asset placement, and the effect of taxes on investment returns across jurisdictions.

In plain words
What is it for?
Use it to compare accounts such as 401(k)s, IRAs, Roth accounts, ISAs, and SIPPs, plan contributions, place assets, and manage gains and losses.
Why use it?
It helps reduce the tax drag on investments and choose accounts that better fit a person's tax situation and long-term goals.

Skill for Claude Code

Written for Claude Code: shipped in a Claude Code plugin.

Part of the finance-skills plugin — 48 skills, 52 commands shipped together

not rated 47repo +2 5d ago A scan 88 tokens original MIT

Good fit Use it to compare accounts such as 401(k)s, IRAs, Roth accounts, ISAs, and SIPPs, plan contributions, place assets, and manage gains and losses.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/gajetoso/financeskills/tax-efficient-investing
View source ↗ GAJETOso/financeskills
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add GAJETOso/financeskills --skill tax-efficient-investing
Clone the repo
git clone --depth 1 https://github.com/GAJETOso/financeskills

Made for: Claude Code.

Or install finance-skills, the plugin that ships this one along with the rest of its 48 skills, 52 commands.

Wrote 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.

agentmods badge for tax-efficient-investing

README.md
[![agentmods](https://agentmods.dev/badge/skills/gajetoso/financeskills/tax-efficient-investing/github.svg)](https://agentmods.dev/skills/gajetoso/financeskills/tax-efficient-investing)
Your own site
<a href="https://agentmods.dev/skills/gajetoso/financeskills/tax-efficient-investing"><img src="https://agentmods.dev/badge/skills/gajetoso/financeskills/tax-efficient-investing/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.

agentmods 80×15 button for tax-efficient-investing

Your own site · 80×15
<a href="https://agentmods.dev/skills/gajetoso/financeskills/tax-efficient-investing"><img src="https://agentmods.dev/badge/skills/gajetoso/financeskills/tax-efficient-investing.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 88 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 895 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

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.

ModelPer sessionOnce invoked
Fable 5.1 $0.00088 $0.00895
Opus 5.5 $0.00035 $0.00358
Sonnet 5.5 $0.00018 $0.00179
Haiku 4.5 $0.00009 $0.00089

Measured 2mo ago against content hash bf3d4192f00c, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

tax-efficient-investing 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 2mo ago.

The scan reads SKILL.md. This mod also ships 1 executable file (scripts/calculate.py), listed below but not scanned — reading those needs a real analyzer, not pattern matching.

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.

skills/tax-efficient-investing/SKILL.md · 98 lines

How it starts

The opening of the file, as written. The whole thing — 98 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Tax-Efficient Investing

You are a Tax-Aware Investment Advisor. Your goal is to help the user legally minimise their tax burden on investments so more of their wealth compounds over time.

Initial Assessment

  1. Tax Situation

    • Current marginal income tax rate and capital gains tax rate.
    • Country/jurisdiction (US 401k/IRA/Roth, UK ISA/SIPP, other).
    • Filing status (single, married filing jointly, etc.).

  2. Account Inventory

    • Existing tax-advantaged accounts and current balances.
    • Annual contribution room remaining.
    • Taxable brokerage accounts and unrealised gains/losses.

  3. Investment Goals

    • Time horizon and target asset allocation.
    • Expected investment return and income needs.

Tax-Efficiency Framework

Priority Order (US context — adapt for other jurisdictions)

  1. Employer match — contribute enough to the 401(k) to capture the full match (100% instant return).
  2. HSA (if eligible) — triple tax advantage: deductible contributions, tax-free growth, tax-free withdrawals for medical.
  3. Max Roth IRA — tax-free growth and withdrawals; best for those expecting higher future tax rates.
  4. Max 401(k) — pre-tax contributions reduce current taxable income.
  5. Taxable brokerage — use remaining savings here with tax-efficient funds (index funds, ETFs, municipal bonds).

Asset Location Strategy

Place the least tax-efficient assets in tax-advantaged accounts:

  • In tax-advantaged: REITs, bonds, high-dividend stocks, actively managed funds.
  • In taxable: broad index funds, ETFs, municipal bonds, long-term buy-and-hold equities.

Tax-Loss Harvesting

Realise capital losses to offset capital gains, reducing current-year tax liability. Replace with a similar (not substantially identical) fund to maintain exposure.

Technical Concepts

Tax Drag

The reduction in annual return caused by taxes on dividends, interest, and realised capital gains. After-Tax Return = Gross Return × (1 − Tax Rate on Gains)

Read the full file on GitHub · 98 lines

Files

What ships with it

6 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.

Changes

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.

  1. 2mo ago First seen · 98 lines · 88 tokens per session scan A bf3d4192f00c

Subscribe to this mod's changes

tax-efficient-investing is a skill published in the GitHub repository GAJETOso/financeskills (47 stars, last pushed 5d ago), licensed MIT. It adds 88 tokens to every session and 895 once invoked, about $0.0004 per session on Opus 5.5. 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 2026-09-04.

Finance and fintechLegal and complianceaccountingai-skillsclaudeifrsoil-gas
Related

tax-efficient-investing compared with skills from other repositories

tax-efficient-investing next to 6 skills from other repositories
ModTypeStarsLast pushLicenceScanTokensWorks with
tax-efficient-investingGAJETOso/financeskillsSkill475d agoMITA88Claude Code
hr-payrolltuanductran/hr-skillsSkill79yesterdayMITA88Claude Code, Codex
accountant-expertpersonamanagmentlayer/pclSkill4412d agoApache-2.0A56Claude Code
hr-retirement-benefitstuanductran/hr-skillsSkill79yesterdayMITA63Claude Code, Codex
az-payrollopenaccountants/openaccountantsSkill476yesterdayAGPL-3.0A132Claude Code, Codex
albania-vatopenaccountants/openaccountantsSkill476yesterdayAGPL-3.0A274Claude Code, Codex
armenia-vatopenaccountants/openaccountantsSkill476yesterdayAGPL-3.0A150Claude Code, Codex