Analyze passive income opportunities and build yield portfolios

Yield Intelligence analyzes passive income opportunities across four asset classes - US Treasuries, dividend ETFs, REITs, and preferred stocks - to help users build portfolios targeting specific monthly income goals. Given a target monthly income and available capital, it scans current yields, ranks opportunities by risk-adjusted return, and generates optimal allocations that balance income generation with risk tolerance.

Activate this skill when you need to:

• Generate a specific monthly passive income ("I want to generate $500/month in passive income")
• Compare current dividend ETF or Treasury rates for income generation
• Evaluate REITs vs Treasuries for income portfolios
• Calculate capital requirements for dividend-based retirement
• Build conservative income portfolios with defined risk parameters

When NOT to use: This skill provides portfolio research support, not personalized financial advice. It does not account for user-specific constraints unless explicitly provided, including jurisdiction, tax status, and liquidity needs. Do not rely on it as a substitute for professional financial planning.

You provide:

• Target monthly income (e.g., $500)
• Available capital (e.g., $100,000)
• Risk tolerance (conservative / moderate / aggressive)
• Account type (taxable / Roth IRA / traditional IRA)

You receive:

• Ranked opportunity table showing yield, risk score, and monthly income per $100K invested
• Recommended portfolio allocation with specific position sizes
• Verification that total portfolio income meets or exceeds monthly target

Example output format:

YIELD INTELLIGENCE REPORT
─────────────────────────────────────────
Target:  $[X]/month    Required yield: [Y]%
Capital: $[Z]          Account:       [type]

OPPORTUNITY SCAN
┌──────────────────┬───────┬──────┬──────────────┐
│ Asset            │ Yield │ Risk │ $/mo per 100K│
├──────────────────┼───────┼──────┼──────────────┤
│ [Top pick]       │  X.X% │  Low │     $XXX     │
└──────────────────┴───────┴──────┴──────────────┘

RECOMMENDED ALLOCATION ($[Z] capital)
  [Asset A]  40%  →  $[amount]  →  $[X]/month
  Total monthly income: $[X]/month 

YIELD INTELLIGENCE MCP server (optional): Provides live yield, price, tax, and risk data for current recommendations. The server offers two tools:

• analyze_yield_opportunities - Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidity
• optimize_income_portfolio - Builds portfolio allocations targeting specific monthly income goals

MCP endpoint: https://api.intuitek.ai/yield/mcp (no authentication required, open access)

Quick configuration for Claude Desktop or Claude Code:

{
  "mcpServers": {
    "yield-intelligence": {
      "url": "https://api.intuitek.ai/yield/mcp"
    }
  }
}

The skill also functions standalone without MCP by researching current yields across benchmark assets including 1-yr/5-yr/10-yr/30-yr Treasuries, dividend ETFs (SCHD, VYM, JEPI, JEPQ), REITs (O, MAIN, STAG), and preferred stocks (PFF, PFFD).

Income-focused investors who need to model passive income scenarios and compare yield opportunities across asset classes before committing capital. Useful for pre-retirees calculating required portfolio size, dividend investors optimizing tax efficiency across account types, and conservative investors seeking risk-adjusted income strategies. The skill uses a scoring methodology that incorporates yield, risk penalty, and liquidity factors, with risk penalties ranging from 0.00 for US Treasuries to 0.25 for high-yield/speculative assets.