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Agent skill

Investment Account Picker

by mohitagw15856 in mohitagw15856/pm-claude-skills

Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money — so you don't leave free tax benefits on the…

MITAuto-check passedWriting & Content

Install Investment Account Picker

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill investment-account-picker -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills investment-account-picker --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/investment-account-picker .claude/skills/investment-account-picker && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
investment-account-picker
GitHub stars
1.4k
Token cost
~1.3k tokens
SKILL.md length
591 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money — so you don't leave free tax benefits on the…

  • Works in 6 steps: Sort by purpose. Group the money by goal… → Explain the categories generically.… → Grab free money first. Any employer… → …
  • Your goal — the tax-advantaged vs taxable question
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Match Money To… and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Investment Account Picker is an agent skill from mohitagw15856/pm-claude-skills. Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money — so you don't leave free tax benefits on the table. Use when asked which account should I invest in, what's the difference between these account types, where should I put my savings, or tax-advantaged accounts explained. Produces a plain-language explainer of the common account categories (retirement/tax-advantaged, general/taxable, education, short-term), a match…

Its SKILL.md is about 1.3k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

It sits in Writing & Content, covering Plain language and style rules. The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Your goal — the tax-advantaged vs taxable question
  • Which wrapper fits which money — so you dont leave free tax benefits on the table
  • Asked which account should I invest in
  • Whats the difference between these account types

Example prompts

  • “/investment-account-picker”

Workflow steps

6 steps, taken from the first numbered list in SKILL.md.

  1. Sort by purpose. Group the money by goal and timeline — retirement money, a specific goal (house, education), general investing, and…
  2. Explain the categories generically. Because names differ by country, describe the kinds (tax-advantaged retirement, taxable/general…
  3. Grab free money first. Any employer match is an instant return — prioritize capturing it before anything else.
  4. Then tax-advantaged, then taxable. Generally: max sensible tax-advantaged space for the goal, then use a taxable/general account for the…
  5. Flag the free-benefit misses. Unclaimed matches, unused tax-advantaged room, and holding long-term money in low-return cash are the common…
  6. Send them to verify. Exact account names, contribution limits, and tax rules are jurisdiction-specific — clearly direct them to confirm…

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Investment Account Picker loads about 1.3k tokens when it runs. Until then it costs about 191 tokens; SKILL.md has 591 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~191
When it runs · the whole SKILL.md, loaded when a task matches
~1.3k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 591 words, ~1,335 tokens.

Download SKILL.mdSave it as .claude/skills/investment-account-picker/SKILL.md (or your agent's skills folder).
name
investment-account-picker
description
Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money — so you don't leave free tax benefits on the table. Use when asked which account should I invest in, what's the difference between these account types, where should I put my savings, or tax-advantaged accounts explained. Produces a plain-language explainer of the common account categories (retirement/tax-advantaged, general/taxable, education, short-term), a match of your goals to the right account type, the order to prioritize them, and what to verify locally — because using the wrong wrapper can cost you real money. Not financial advice; account types are jurisdiction-specific.

Investment-Account Picker

Where you hold your investments can matter as much as what you invest in — the right tax-advantaged account can save you thousands, and using the wrong wrapper (or missing free ones) leaves money on the table. But account types are a confusing, jurisdiction-specific alphabet soup. This explains the common categories in plain language, matches them to your goals, and gives a sensible priority order — then sends you to verify the specifics locally. Not financial advice.

What This Skill Produces

  • The account categories, plainly — the common types by purpose (retirement/tax-advantaged, general/taxable brokerage, education/other goal-specific, and short-term/cash) — described generically since names vary by country
  • Goal-to-account matching — which kind of account fits which money (retirement money vs. a house deposit vs. general investing)
  • A priority order — the sensible sequence (e.g. grab any matched retirement account first — free money — then other tax-advantaged, then taxable)
  • The free-benefits check — the tax breaks and employer matches people commonly miss
  • What to verify locally — a clear flag that exact account names, limits, and rules are jurisdiction-specific and must be confirmed

Required Inputs

Ask for these if not provided:

  • Your goals — what the money is for and when you'll need it (retirement, a home, general growth, near-term)
  • Your region — the key input, since accounts and tax are country-specific
  • What you have access to — an employer retirement plan/match, existing accounts
  • Your situation — employed/self-employed, and any known contribution room

Framework: Match Money To Wrapper, In The Right Order

  1. Sort by purpose. Group the money by goal and timeline — retirement money, a specific goal (house, education), general investing, and short-term cash each suit different account types.
  2. Explain the categories generically. Because names differ by country, describe the kinds (tax-advantaged retirement, taxable/general, goal-specific, cash) and what each is for.
  3. Grab free money first. Any employer match is an instant return — prioritize capturing it before anything else.
  4. Then tax-advantaged, then taxable. Generally: max sensible tax-advantaged space for the goal, then use a taxable/general account for the rest. Match near-term money to safe/cash accounts, not market-risk ones.
  5. Flag the free-benefit misses. Unclaimed matches, unused tax-advantaged room, and holding long-term money in low-return cash are the common leaks.
  6. Send them to verify. Exact account names, contribution limits, and tax rules are jurisdiction-specific — clearly direct them to confirm locally.
Show full SKILL.md (211 more words)Show less

Output Format

Account picker: goals [x] · [region]

Your money, by purpose

This money (goal/timeline)Suits this kind of account
[retirement][tax-advantaged retirement type]
[a specific goal][goal-specific or general]
[general investing][taxable/general]
[near-term/cash][cash/safe — not market risk]

Priority order: grab employer match (free) → tax-advantaged space → taxable/general. Free benefits you might be missing: [unclaimed match · unused tax-advantaged room · long-term money sitting in cash]. Verify for [region]: exact account names, limits, and tax rules.

Not financial advice. Account types, names, limits, and tax treatment are jurisdiction-specific — confirm locally or with a fee-only adviser.

Quality Checks

  • Explains account categories by purpose, generically (names vary by country)
  • Matches the person's goals/timelines to account types
  • Prioritizes capturing free money (match) first
  • Gives a sensible tax-advantaged-then-taxable order
  • Flags commonly-missed free benefits
  • Clearly states account rules are jurisdiction-specific; not financial advice

Anti-Patterns

  • Naming specific country accounts as if universal.
  • Ignoring the employer match (free money) priority.
  • Putting near-term money into market-risk accounts.
  • Missing unused tax-advantaged room.
  • Presenting as personalized financial advice.

Example Trigger Phrases

  • "Which type of account should I invest through?"
  • "What's the difference between all these account types?"
  • "Where should I put money for retirement vs. a house deposit?"
  • "Explain tax-advantaged accounts — am I missing free benefits?"
  • "I have savings to invest — which account is right?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/investment-account-picker of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Investment Account Picker next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Investment Account Picker compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Investment Account Picker this skillmohitagw15856/pm-claude-skills1.4k—~1.3kAutomated safety check: PassMIT
Asd Ste100danyuchn/asd-ste100-skill4.3k—~4.1kAutomated safety check: PassMIT
Technical Writing Standardcursor/plugins11k10 repos~2.3kAutomated safety check: PassNone
Ponytail AuditDietrichGebert/ponytail160k—~1.4kAutomated safety check: PassMIT
Natural Japanese Business Writingcoji/natural-japanese1.9k—~2.1kAutomated safety check: PassMIT
PgjevrealZachi/pg-jev1.1k—~2.9kAutomated safety check: PassCustom licence

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Categories

Questions about Investment Account Picker

What does Investment Account Picker do?

Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money — so you don't leave free tax benefits on the…. Investment Account Picker is an agent skill from mohitagw15856/pm-claude-skills. Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money — so you don't leave free tax benefits on the table.

When should I use Investment Account Picker?

Investment Account Picker fits situations like: your goal — the tax-advantaged vs taxable question; which wrapper fits which money — so you dont leave free tax benefits on the table; asked which account should I invest in; whats the difference between these account types.

How do I install Investment Account Picker in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill investment-account-picker -a claude-code`. Or copy the skill folder (skills/investment-account-picker in mohitagw15856/pm-claude-skills) into .claude/skills/investment-account-picker in your project. Claude Code loads it when a task matches its description.

How do I install Investment Account Picker in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill investment-account-picker -a codex`. Or copy the skill folder (skills/investment-account-picker in mohitagw15856/pm-claude-skills) into .agents/skills/investment-account-picker in your project. Codex loads it when a task matches its description.

Can I use Investment Account Picker in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill investment-account-picker -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/investment-account-picker, .gemini/skills/investment-account-picker, .github/skills/investment-account-picker and .opencode/skills/investment-account-picker in your project.

What does Investment Account Picker need to run?

SKILL.md names no scripts, command-line tools or credentials: Investment Account Picker is instructions for the agent only.

Does Investment Account Picker access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Investment Account Picker safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Investment Account Picker use?

Investment Account Picker is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Investment Account Picker use?

About 1.3k tokens (SKILL.md is roughly 5.3k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Investment Account Picker?

Skills that share tags, products or a category with Investment Account Picker: Asd Ste100 (danyuchn/asd-ste100-skill, 4.3k stars), Technical Writing Standard (cursor/plugins, 11k stars), Ponytail Audit (DietrichGebert/ponytail, 160k stars) and Natural Japanese Business Writing (coji/natural-japanese, 1.9k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Investment Account Picker?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.