longsizhuo/openinvest/invest

Is a user asking in chat right now ("should I buy X / 该不该买 X") where you can
react in real time (wrong tool picked, blocked by a safety gate — the user sees it
on the spot and corrects it on the spot)?
  → Check whether you have an isolated sub-task delegation capability (Agent({...}) / delegate_task)
    Yes → Coordinator (table below)
    No  → Direct
 
Is this a cron / scheduled run with nobody watching?
  → Always go Direct, no matter which agent you are or whether you can delegate

1. Run `run.sh doctor` (no shell access? call the MCP `doctor` tool — same output)   ← mandatory first step
   ├─ status: "ready"        → go to step 2 (keep using this skill). A missing LLM key / mail
   │                          credentials / .env shows up only as `optional_*` checks and never
   │                          flips the status: Coordinator needs no key (only Direct does — see
   │                          `direct_ready`), so do NOT re-onboard for those
   └─ status: "needs_setup"  → memory not initialized (or portfolio.md still the v1 format) →
                              **switch to the `invest-setup` skill** (not handled here)
   (An older MCP server answers `Unknown tool` for `doctor`: call `status` instead — a normal
    reply means onboarding is done.)
 
2. Pick the subcommand by user intent:
 
   "show portfolio / how much do I have / 看持仓"     → run.sh status
   "assess the situation / risk / concentration
    / 分析战况"                                       → run.sh status (see Constraints before
                                                        calling anything "overweight")
   "how am I doing / annualised return / drawdown
    / 我的收益率 / 跑赢大盘没"                        → run.sh performance (TWR / XIRR / max
                                                        drawdown / vs benchmark; also inside
                                                        status.performance — quote TWR as the
                                                        return, XIRR only as money-weighted)
   "what is my strategy / 我的策略是什么"             → run.sh strategy
   "recent trades / transaction log / 最近交易"       → run.sh history
   "where is the market / VIX now / 现在大盘"         → run.sh live_prices
   "if X drops 5% how much do I lose / 如果X跌5%"     → run.sh what_if --symbol X --pct -5
                                                        (X is a yfinance symbol in the user's
                                                        portfolio; --gold-pct / --ndq-pct kept
                                                        for legacy usage)
   "do I need to rebalance / what to buy or sell to
    get back to my target allocation / 要不要再平衡"  → run.sh rebalance_plan [--mode hybrid|cash_only|
                                                        sell_to_rebalance] [--band-pct 5] — a list
                                                        only (BUY/SELL, whole lots, reason); the user
                                                        places the orders; quote amounts from the JSON
   "I got a dividend / interest / paid a fee or tax /
    X split / 收到分红 利息 交了费 拆股 退回本金"      → run.sh record_dividend (--kind interest) /
                                                        record_fee (--kind tax) / record_split /
                                                        record_return_of_capital (MCP tools of the same
                                                        name) — bookkeeping of what already happened,
                                                        pass the REAL date (--trade-date); always send
                                                        an idempotency key (a repeated split multiplies
                                                        the position twice); never use deposit/withdraw
                                                        for these (that would book them as new money
                                                        instead of return)
   "I bought / subscribed an off-exchange fund (FUND:xxxxxx)
    today / 申购了场外基金 / 基金份额确认了吗"          → run.sh place_fund_order (MCP tool of the same
                                                        name) when the order was just placed: cash goes
                                                        out now, the order is "in transit" and total
                                                        assets do not dip; shares arrive when the
                                                        pricing-day NAV is published (the fund_confirm
                                                        job confirms nightly; confirm_fund_order only to
                                                        give a NAV / fee yourself, cancel_fund_order if
                                                        the order never went through). Status shows
                                                        pending_fund_orders. Don't use buy for these
   "should I buy/sell X / analyze X / 该不该买卖X"    → committee protocol ↓
   "track AAPL / I want to watch TSLA / 跟踪苹果"     → see references/adding-assets.md
   "alert me if gold falls below 900 / tell me when
    X drops 3% in a day / 跌破N提醒我 / 日跌超3%报警"  → run.sh track_asset --symbol X
                                                        --alert-price-below 900 | --alert-day-drop-pct 3
                                                        (MCP track_asset alert_* args) — then tell
                                                        the user alerts are only SENT when the server
                                                        has INVEST_EVENT_ALERT=1 (see Constraints)
   "I already held 3000 X before using this /
    补录我原来就有的持仓"                              → run.sh status first — never re-add a
                                                        symbol it lists (double count); else
                                                        run.sh buy ... --existing-position
                                                        (MCP tool: record_existing_position;
                                                        `Unknown tool` = old server, do NOT
                                                        fall back to buy) — records it WITHOUT
                                                        deducting cash; a plain `buy` is a new
                                                        purchase paid from ledger cash
 
3. Run the committee per your path:
   - Coordinator → read references/committee-protocol.md (spawn 4 subagents)
   - Direct      → just `run.sh run_committee <SYMBOL>` for a JSON verdict
 
4. After getting the verdict / cio_memo:
   - **`cio_memo` is a Markdown string** (with `# title ## verdict` structure etc.).
     Render it **as Markdown for the user** — do not print raw JSON and make the
     user parse it themselves
   - Execution step: check the next_step field and guide the user as it says.
     **Never** write memory/ directly (see Constraints)