investment-proposal
為潛在客戶撰寫投資提案，含配置、預期成果和費用結構
中文翻譯
--- name: investment-proposal description: 為潛在客戶撰寫專業的投資提案，涵蓋事務所的做法、建議配置、預期成果和費用結構。在向新客戶 pitch 或呈現新的投資策略時使用。觸發詞包括「investment proposal」、「prospect presentation」、「pitch new client」、「proposal for [client]」、「new client presentation」。 --- # 投資提案 ## 工作流程 ### 步驟 1：潛在客戶背景 蒐集： - **潛在客戶姓名**與家庭資料 - **目前狀況**：有現任顧問嗎？自己操作嗎？是什麼促成這場會面？ - **資產**：預估 AUM、帳戶類型、目前持有部位（如果願意分享） - **目標**：退休、財富保全、成長、收益、教育、遺產 - **風險承受度**：保守、穩健、積極（或問卷分數） - **限制**：ESG 偏好、集中持股、流動性需求 - **費用敏感度**：他們現在付多少？ - **競爭對手**：他們還在考慮誰？ ### 步驟 2：提案結構 **I. 關於我們事務所**（1 頁） - 事務所概覽、歷史、AUM - 投資理念（用白話講） - 團隊簡介（跟這位客戶相關的人） - 客戶服務模式（多久見一次面、有事找誰） **II. 了解您的需求**（1 頁） - 重述他們的目標與顧慮，讓對方知道你有在聽 - 在探索階段找出的關鍵規劃考量 - 對他們來說成功長什麼樣子 **III. 建議的投資策略**（2 到 3 頁） - 建議的資產配置與理由 - 配置如何對應他們的目標和風險承受度 - 投資工具（ETF、共同基金、個股、另類資產） - 考量稅務的策略（資產位置配置、稅損收割） 建議配置： | 資產類別 | 配置 | 工具 | 理由 | |------------|-----------|---------|-----------| | | | | | **IV. 預期成果**（1 到 2 頁） - 預估成長情境（保守、穩健、樂觀） - 達成目標的 Monte Carlo 機率 - 收益預估（如果以退休或收益為重） - 風險指標（最大回撤、波動度） - 與目前投資組合的比較（如果已知） **V. 費用結構**（1 頁） - 顧問費表（如適用則為分級） - 底層基金費用 - 全部加總的總成本估計 - 費用與產業平均的比較 - 價值主張：他們付這筆費用能得到什麼 **VI. 如何開始**（1 頁） - 開戶流程 - 資產轉移時程 - 轉換計畫（如果是從別的顧問轉過來） - 最初 90 天：會發生什麼事 - 所需文件與後續步驟 ### 步驟 3：客製化 - 語氣配合潛在客戶（企業高階主管 vs. 小企業主 vs. 退休人士） - 如果他們有集中持股，要直接處理 - 如果他們拿你跟機器人理財顧問（robo-advisor）比，強調規劃和關係的價值 - 如果他們對價格敏感，先講總價值和成果，不只是費用 ### 步驟 4：輸出 - 帶有事務所品牌的 PowerPoint 簡報（12 到 15 張） - 給客戶帶回去的 PDF 版本 - 用於後續跟進 email 的一頁摘要 ## 重要注意事項 - 提案要讓人感覺是個人化的，不是套範本，要引用對方的具體情況 - 不要過度吹噓績效，設定實際的預期，強調流程 - 一定要附免責聲明（預估為假設性質、過往績效等） - 轉換計畫很重要，客戶害怕更換顧問帶來的混亂 - 48 小時內帶著提案和明確的下一步去跟進 - 對潛在客戶簡報前，合規部門必須先審閱
英文原文
--- name: investment-proposal description: Create professional investment proposals for prospective clients. Covers the firm's approach, proposed allocation, expected outcomes, and fee structure. Use when pitching new clients or presenting a new investment strategy. Triggers on "investment proposal", "prospect presentation", "pitch new client", "proposal for [client]", or "new client presentation". --- # Investment Proposal ## Workflow ### Step 1: Prospect Context Gather: - **Prospect name** and household details - **Current situation**: Existing advisor? Self-directed? What prompted the meeting? - **Assets**: Estimated AUM, account types, current holdings (if shared) - **Goals**: Retirement, wealth preservation, growth, income, education, estate - **Risk tolerance**: Conservative, moderate, aggressive (or questionnaire score) - **Constraints**: ESG preferences, concentrated stock, illiquidity needs - **Fee sensitivity**: What are they paying now? - **Competition**: Who else are they considering? ### Step 2: Proposal Structure **I. About Our Firm** (1 page) - Firm overview, history, AUM - Investment philosophy (in plain English) - Team bios (relevant to this client) - Client service model (how often do we meet, who do they call) **II. Understanding Your Needs** (1 page) - Restate their goals and concerns — show you listened - Key planning considerations identified in discovery - What success looks like for them **III. Proposed Investment Strategy** (2-3 pages) - Recommended asset allocation with rationale - How allocation maps to their goals and risk tolerance - Investment vehicles (ETFs, mutual funds, individual securities, alternatives) - Tax-aware strategy (asset location, tax-loss harvesting) Proposed allocation: | Asset Class | Allocation | Vehicle | Rationale | |------------|-----------|---------|-----------| | | | | | **IV. Expected Outcomes** (1-2 pages) - Projected growth scenarios (conservative, moderate, optimistic) - Monte Carlo probability of meeting goals - Income projections (if retirement or income-focused) - Risk metrics (max drawdown, volatility) - Comparison to current portfolio (if known) **V. Fee Structure** (1 page) - Advisory fee schedule (tiered if applicable) - Underlying fund expenses - Total all-in cost estimate - How fees compare to industry averages - Value proposition — what they get for the fee **VI. Getting Started** (1 page) - Account opening process - Asset transfer timeline - Transition plan (if moving from another advisor) - First 90 days — what to expect - Required documents and next steps ### Step 3: Customization - Match the tone to the prospect (corporate executive vs. small business owner vs. retiree) - If they have a concentrated stock position, address it directly - If they're comparing you to robo-advisors, emphasize the planning and relationship value - If they're price-sensitive, lead with total value and outcomes, not just fees ### Step 4: Output - PowerPoint presentation (12-15 slides) with firm branding - PDF leave-behind version - One-page summary for follow-up email ## Important Notes - The proposal should feel personalized, not templated — reference their specific situation - Don't oversell performance — set realistic expectations and emphasize process - Always include disclaimers (projections are hypothetical, past performance, etc.) - The transition plan matters — clients fear the disruption of switching advisors - Follow up within 48 hours with the proposal and a clear next step - Compliance must review before presenting to prospects