---
name: investing
version: 1.0.0
description: Personal investing assistant for Lithuanian investors. Monitors markets, ETFs, crypto, pension funds (III pakopa), and provides monthly investment suggestions based on research and market conditions.
author: Buba Draugelis
license: MIT
tags:
  - finance
  - investing
  - etf
  - crypto
  - lithuania
  - pension
metadata:
  openclaw:
    emoji: "💰"
---

# Investing Skill

A comprehensive investing assistant tailored for Lithuanian investors, inspired by šešiNuliai.lt philosophy.

## Core Philosophy

Based on evidence-based, passive investing:
- **VWCE & Chill** - Simple, low-cost global ETF strategy
- **Long-term focus** - 10+ year investment horizon
- **Diversification** - Across asset classes and geographies
- **Low costs** - Minimize fees, maximize returns

## Asset Allocation Framework

### Recommended Portfolio (Moderate Risk)

```
📊 Sample Allocation:
├── 70% Stocks (ETFs)
│   ├── 50% VWCE (All-World)
│   ├── 15% IXUS (Ex-US) or EIMI (Emerging)
│   └── 5% Small Cap Value
├── 10% Bonds
│   └── AGGH or Government Bonds
├── 10% Crypto
│   ├── 8% Bitcoin
│   └── 2% Ethereum
└── 10% Cash / Short-term
    └── Savings accounts, MMF
```

Adjust based on:
- Age (younger = more stocks)
- Risk tolerance
- Time horizon
- Income stability

## Data Sources

### Lithuanian Sources
- **šešiNuliai.lt** - Personal finance blog (LT)
- **Investuok.eu** - Investment news (LT)
- **Vz.lt** - Business news (LT)
- **Delfi Verslas** - Business section

### International Sources
- **Bogleheads** - Passive investing community
- **r/eupersonalfinance** - EU-focused Reddit
- **JustETF** - ETF comparison tool
- **Portfolio Visualizer** - Backtesting

### Market Data
- **Yahoo Finance** - Stock/ETF prices
- **TradingView** - Charts
- **CoinGecko** - Crypto prices
- **ECB** - EUR exchange rates, interest rates

## Scripts

### check-etf-prices.sh

```bash
#!/bin/bash
# Check key ETF prices
echo "📈 ETF Prices - $(date '+%Y-%m-%d')"
echo "================================"

# VWCE - Vanguard FTSE All-World
curl -s "https://query1.finance.yahoo.com/v8/finance/chart/VWCE.DE" | \
  jq -r '"VWCE: €" + (.chart.result[0].meta.regularMarketPrice | tostring)'

# EIMI - iShares Emerging Markets
curl -s "https://query1.finance.yahoo.com/v8/finance/chart/EIMI.L" | \
  jq -r '"EIMI: £" + (.chart.result[0].meta.regularMarketPrice | tostring)'

# Bitcoin
curl -s "https://api.coingecko.com/api/v3/simple/price?ids=bitcoin&vs_currencies=eur" | \
  jq -r '"BTC: €" + (.bitcoin.eur | tostring)'
```

### monthly-dca.sh

```bash
#!/bin/bash
# Calculate monthly DCA amounts
BUDGET=${1:-500}  # Monthly investment budget

echo "💰 Monthly DCA Plan - €$BUDGET"
echo "================================"
echo "VWCE (70%):   €$((BUDGET * 70 / 100))"
echo "EIMI (10%):   €$((BUDGET * 10 / 100))"
echo "BTC (10%):    €$((BUDGET * 10 / 100))"
echo "Cash (10%):   €$((BUDGET * 10 / 100))"
```

## Monthly Investment Workflow

### 1. Market Check (5 min)

```
Run: check-etf-prices.sh
Check: Any significant drops (>10%) = buying opportunity
```

### 2. News Scan (10 min)

```
Scan:
- šešiNuliai.lt - new posts?
- r/eupersonalfinance - hot topics?
- ECB announcements - rate changes?
```

### 3. Execute DCA (5 min)

```
Run: monthly-dca.sh [budget]
Execute trades via:
- Interactive Brokers (ETFs)
- Bitstamp/Kraken (Crypto)
```

### 4. Record & Reflect (5 min)

```
Update:
- Portfolio tracker spreadsheet
- Note any deviations from plan
- Review annual progress
```

## III Pakopa (Pension) Strategy

### When III Pakopa Makes Sense

1. **Employer contribution** - Free money, always take it
2. **High tax bracket** - 32%+ marginal rate
3. **Long horizon** - 15+ years to retirement
4. **Old contract** - Pre-2019 rules may be better

### Recommended Funds

| Fund | TER | Notes |
|------|-----|-------|
| Goindex III pakopa | 0.40% | Index-tracking, low cost |
| Swedbank Index | 0.45% | Also index-based |
| Luminor Index | 0.50% | Decent alternative |

**Avoid:** High-fee active funds (1%+ TER)

### Yearly Optimization

1. Max out employer match first
2. Calculate tax benefit vs fees
3. Consider personal IBKR account for overflow
4. Review fund performance annually

## Crypto Strategy

### Core Holdings (90% of crypto allocation)

- **Bitcoin (BTC)** - 80% of crypto
- **Ethereum (ETH)** - 20% of crypto

### Rules

1. Never more than 10% of total portfolio
2. DCA monthly, don't time the market
3. Self-custody for large amounts (Ledger/Trezor)
4. Hold through cycles (5+ years)

### Where to Buy (EU)

- **Bitstamp** - Low fees, EU regulated
- **Kraken** - Good security, SEPA
- **Coinbase** - Easy, but higher fees

## Emergency Fund

Before investing, ensure:

```
Emergency Fund = 3-6 months expenses
Location: High-yield savings account
Current best rates (LT):
- Swedbank Taupomasis: ~3%
- SEB Taupomoji: ~2.5%
- Revolut Savings: ~3.5%
```

## Tax Considerations (Lithuania)

### Capital Gains

- **15%** tax on gains
- **Holding period:** No benefit for long-term (unlike US)
- **Losses:** Can offset gains in same year

### III Pakopa Tax Benefits

- **Contribution:** Deduct from taxable income (up to €1,500/year)
- **Withdrawal:** Taxed at 15% (or 0% if after retirement age)

### Crypto

- **15%** on realized gains
- Track cost basis carefully
- Report in annual declaration

## Cron Jobs

### Daily Price Alert

```javascript
{
  "name": "Daily Market Check",
  "schedule": { "kind": "cron", "expr": "0 9 * * 1-5" },
  "payload": {
    "kind": "agentTurn",
    "message": "Check VWCE, BTC prices. Alert if >5% change from yesterday."
  }
}
```

### Monthly Investment Reminder

```javascript
{
  "name": "Monthly DCA Reminder",
  "schedule": { "kind": "cron", "expr": "0 10 1 * *" },
  "payload": {
    "kind": "agentTurn",
    "message": "Monthly DCA time! Check budget, run monthly-dca.sh, execute trades."
  }
}
```

### Quarterly Review

```javascript
{
  "name": "Quarterly Portfolio Review",
  "schedule": { "kind": "cron", "expr": "0 10 1 1,4,7,10 *" },
  "payload": {
    "kind": "agentTurn",
    "message": "Quarterly review: Check allocation drift, rebalance if >5% off target, update spreadsheet."
  }
}
```

## Resources

### Books
- "The Simple Path to Wealth" - JL Collins
- "A Random Walk Down Wall Street" - Burton Malkiel
- "The Bogleheads' Guide to Investing"

### Websites
- šešiNuliai.lt (LT)
- Bogleheads.org
- JustETF.com
- r/eupersonalfinance

### Tools
- Portfolio Visualizer (backtesting)
- IBKR (brokerage)
- Notion/Sheets (tracking)

## Disclaimer

This is not financial advice. Do your own research. Past performance does not guarantee future results. Investing involves risk of loss.

---

*Skill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities.*


---
Source attribution: modbender
Original project: https://github.com/modbender/skill-library-mcp/blob/d9c8fe903b5b4e82237dbe8d0df8567783022e18/data/investing/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Dave AI.

## Upstream license notice

MIT License

Copyright (c) 2025 skill-library-mcp contributors

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Dave AI resource metadata

Creator / publisher: modbender
Original project: https://github.com/modbender/skill-library-mcp/blob/d9c8fe903b5b4e82237dbe8d0df8567783022e18/data/investing/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Marketing, Sales
Roles: Account Executive, Business Development, Financial Analyst, Growth Marketer, Product Marketer
Specialties: API
Tools: Bitstamp, Coingecko, Interactive Brokers, Kraken, Tradingview, Yahoo Finance
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: cf152dcb672245e8a5f854b4644aa65ce4ad78631b379b5b3c5b040db88123d9