Borrowing it
Nothing to install: this file belongs to tusharagg1/aifolimizer. Take a copy, put it at the same path in your own repository, and replace the rules that are about this project with yours.
curl -O https://raw.githubusercontent.com/tusharagg1/aifolimizer/master/.claude/skills/dividend-strategy/SKILL.mdgit clone --depth 1 https://github.com/tusharagg1/aifolimizerWrote 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/tusharagg1/aifolimizer/dividend-strategy)<a href="https://agentmods.dev/skills/tusharagg1/aifolimizer/dividend-strategy"><img src="https://agentmods.dev/badge/skills/tusharagg1/aifolimizer/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/tusharagg1/aifolimizer/dividend-strategy"><img src="https://agentmods.dev/badge/skills/tusharagg1/aifolimizer/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 | $0.00064 | $0.01189 |
| Opus 5 | $0.00032 | $0.00594 |
| Sonnet 5 | $0.00013 | $0.00238 |
| Haiku 4.5 | $0.00006 | $0.00119 |
Grade A, and why
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 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 — 64 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Dividend Strategy (Harvard Endowment style)
Stage 0 - Decision Memory (load FIRST)
Before analysis, load prior decisions so verdicts stay consistent across sessions:
mcp__aifolimizer__get_cross_ticker_lessonswithmax_lessons=3- portfolio-level win/loss patterns- For any name you issue a per-ticker BUY/SELL/TRIM/HOLD on, also load
mcp__aifolimizer__get_ticker_decision_history(ticker=…, max_decisions=5) andmcp__aifolimizer__get_ticker_reflection(symbol=…, n=3).
Reconciliation rule: if a prior decision exists and your new read flips it, state explicitly WHY it changed (new data / catalyst / price move). Never silently contradict a logged decision - that drift is exactly what this prevents.
How to run
- Call
mcp__aifolimizer__get_profile- account types and cash balances. TFSA/RRSP/Non-Reg placement determines dividend tax treatment - Call
mcp__aifolimizer__get_personal_context- province, marginal tax rate, account waterfall, FHSA. Grounds §6 tax-placement (which payer in which account) and after-tax yield. Ifpresent=false, flag placement advice as generic and suggest profile-setup - Call
mcp__aifolimizer__get_portfolio- identify dividend-paying holdings - Call
mcp__aifolimizer__get_fundamentalswithsymbols=[](top 15 by weight) - extracts dividend_yield, payout_ratio, dividend_growth_streak, eps_ttm for all holdings - Use MCP data as primary source for yield, payout ratio, dividend growth streak
- WebSearch only for: specific DRIP calculator projections and new dividend stock recommendations not in current portfolio
- Before recommending any NEW dividend name as an initiate/BUY (§4), call
mcp__aifolimizer__get_positioning_signalswithsymbols=[candidate tickers]. Ifcrowding_score >= 70the name is consensus-crowded (late entry = negative expected alpha) - defer the add or pick a less-crowded payer with comparable yield/safety; favorcrowding_score <= 30when the dividend is safe
Investor profile
- Canadian retail investor
- Dividend investing is one pillar (not whole portfolio)
- Account types and capital: always read from
get_profile- never hardcode - TFSA: dividends tax-free (Canadian stocks ideal here)
- RRSP: avoids 15% US withholding on US dividends (US dividend stocks ideal here)
- Non-Reg: Canadian dividends get dividend tax credit; US dividends fully taxable
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 · 64 lines · 64 tokens per session scan A 57c59eee3e26
dividend-strategy is a skill published in the GitHub repository tusharagg1/aifolimizer (2 stars, last pushed 8d ago), licensed MIT. It adds 64 tokens to every session and 1,189 once invoked, about $0.0003 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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