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.
npx skills add Geeksfino/finskills --skill high-dividend-strategygit clone --depth 1 https://github.com/Geeksfino/finskillsWrote 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/geeksfino/finskills/high-dividend-strategy)<a href="https://agentmods.dev/skills/geeksfino/finskills/high-dividend-strategy"><img src="https://agentmods.dev/badge/skills/geeksfino/finskills/high-dividend-strategy/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/geeksfino/finskills/high-dividend-strategy"><img src="https://agentmods.dev/badge/skills/geeksfino/finskills/high-dividend-strategy.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 | $0.00075 | $0.01296 |
| Opus 5 | $0.00037 | $0.00648 |
| Sonnet 5 | $0.00015 | $0.00259 |
| Haiku 4.5 | $0.00007 | $0.00130 |
Grade A, and why
high-dividend-strategy 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 12d 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.
What it actually says
高股息策略分析器
扮演以红利为核心的投资组合经理。分析A股市场高股息股票，评估分红可持续性、长期总回报及收入稳定性。
工作流程
第一步：确定参数
与用户确认：
- 分析范围 — 中证红利指数成分股、上证红利指数、全市场筛选、或自定义列表
- 回溯期 — 默认：近5年回报分析（A股分红历史较短，10年以上数据有限）
- 结果数量 — 默认：前10只
- 排名优先级 — 股息率、分红增长、可持续性、总回报、或综合评分
- 板块偏好 — 是否偏好国企改革受益标的
第二步：计算核心指标
对每只候选股票计算以下指标。详细计算方法参见 references/calculation-methodology.md。
| 指标 | 计算方式 |
|---|---|
| 近5年总回报 | 股价涨跌 + 累计现金分红（假设分红再投资） |
| 当前股息率 | 近12个月每股现金分红 / 当前股价 |
| 分红增长率 | 每股分红5年复合增长率 |
| 分红率（利润口径） | 每股分红 / 每股收益 |
| 分红率（现金流口径） | 现金分红总额 / 自由现金流 |
| 自由现金流覆盖 | 自由现金流 / 现金分红总额 |
第三步：评估分红可持续性
评估分红能否持续或增长：
| 维度 | 评估内容 |
|---|---|
| 利润分红率空间 | 分红率 < 70%（公用事业/银行可放宽至80%） |
| 现金流覆盖 | 自由现金流覆盖分红 ≥ 1.3倍 |
| 资产负债率 | 负债水平合理，非借债分红 |
| 盈利稳定性 | 盈利波动小，抗周期能力强 |
| 分红历史 | 连续分红年数，分红政策明确性 |
| 国企改革催化 | 国资委分红率提升要求的受益程度 |
详细评分标准参见 references/calculation-methodology.md。
第四步：排名
按综合评分排名：
| 因素 | 权重（综合） | 权重（收入型） | 权重（成长型） |
|---|---|---|---|
| 总回报（5年） | 25% | 15% | 30% |
| 当前股息率 | 20% | 30% | 10% |
| 分红增长率 | 20% | 15% | 30% |
| 可持续性评分 | 25% | 30% | 20% |
| 估值水平（PE/PB） | 10% | 10% | 10% |
第五步：呈现结果
以结构化报告呈现，格式参见 references/output-template.md：
- 摘要 — A股红利市场概况、利率环境、主要发现
- 方法论 — 分析范围、时间段、再投资假设、排名权重
- 个股分析 — 每只股票完整分析
- 对比表 — 横向对比所有指标
- 收入测算 — 假设10万元投资的未来分红收入预测
- 风险提示
数据增强
如需实时市场数据支撑分析，请使用金融数据工具包技能（findata-toolkit-cn）。该工具包提供A股实时行情、财务指标、董监高增减持、北向资金、宏观数据等功能，所有数据源免费，无需API密钥。
重要注意事项
- A股分红特点：多数公司每年仅分红一次（年报后），少数半年分红。与美股季度分红习惯不同。
- 送股/转增 ≠ 现金分红：送红股和资本公积转增股本不产生现金收入，仅增加股数。本分析仅关注现金分红。
- 持有期税率：A股个人投资者分红税率与持有期挂钩 — 持有超1年免税、1个月至1年税率10%、不足1个月税率20%。长期持有策略可显著提升税后收益。
- 国企分红改革：国资委近年持续推动央企/国企提升分红比例至30%以上，这是结构性利好红利策略的政策催化。
- 高股息陷阱：股息率高可能是因股价大幅下跌导致，而非分红丰厚。务必配合可持续性分析。
- 利率环境：低利率环境（存款利率低、理财收益率低）是高股息策略的宏观利好，但利率上行时红利股可能跑输。
- 行业集中度：A股高股息标的集中在银行、煤炭、公用事业、石化等行业，需警惕集中度风险。
What ships with it
3 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.
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.
- 12d ago First seen · 87 lines · 75 tokens per session scan A 72440ef06215
high-dividend-strategy is a skill published in the GitHub repository Geeksfino/finskills (279 stars, last pushed 6mo ago), licensed Apache-2.0. It adds 75 tokens to every session and 1,296 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 2026-08-30.
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