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 R2h1/my-book-skills --skill v18git clone --depth 1 https://github.com/R2h1/my-book-skillsWrote 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/r2h1/my-book-skills/v18)<a href="https://agentmods.dev/skills/r2h1/my-book-skills/v18"><img src="https://agentmods.dev/badge/skills/r2h1/my-book-skills/v18/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/r2h1/my-book-skills/v18"><img src="https://agentmods.dev/badge/skills/r2h1/my-book-skills/v18.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 | $0.00032 | $0.00677 |
| Opus 5 | $0.00016 | $0.00338 |
| Sonnet 5 | $0.00006 | $0.00135 |
| Haiku 4.5 | $0.00003 | $0.00068 |
Grade A, and why
v18-分散风险 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 11d 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
分散风险
R（核心引文）
"你应该始终储备一些现金。你绝不能把你全部的钱都投资在股票或者基金上面。"
（基金经理人）"至少必须购买 20 种不同的股票。"
"陶穆太太劝我们最好再买第二种基金，这样有利于分散风险。"
I（底层原理）
分散风险（不要把鸡蛋放在同一个篮子里）是投资的第一法则。分散在两个层面进行：①投资标的内部分散（基金持有20+支股票，单一股票跌40%对整体仅影响2%）；②资产类别间分散（股票/基金+现金/日拆，不同资产在不同经济周期中表现不同）。
A1（过去应用）
金钱魔法师们不仅买了第一种基金，还听从建议买了第二种基金分散风险。金先生建议吉娅把20%资金放在日拆（活期理财）而非全部投入基金。正是这个现金储备让她在市场下跌时有资金逢低买入。
A2（未来触发场景）
- 你想把所有积蓄投进同一个产品时
- 评估投资组合是否过于集中时
- 看到某个产品收益很高想All in时
- 构建自己的投资组合时
E（执行步骤）
- 不要把所有钱投入同一种资产（股票/基金/现金/房产等）
- 基金本身已分散个股风险，但还要分散基金公司
- 至少保留20%资金在低风险产品（日拆、货币基金）
- 不同基金投向不同市场/行业（如一只投欧美，一只投亚洲）
- 定期再平衡：涨得多的部分卖出补入跌的部分
B（边界与局限）
过度分散可能导致收益平庸（买了太多低质量资产）。分散风险降低了下行风险，同时也降低了上行潜力。对于本金很少的情况（如1000元），过度分散没有意义，集中投资一两只优质基金即可。
相关技能
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.
- 11d ago First seen · 53 lines · 32 tokens per session scan A 0fb5d1f0e3df
v18-分散风险 is a skill published in the GitHub repository R2h1/my-book-skills (2 stars, last pushed 26d ago), licensed MIT. It adds 32 tokens to every session and 677 once invoked, about $0.0002 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 2026-08-31.
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