# Retirement Planner

> 退休规划工具。退休金计算、投资策略、社保养老金、投资组合、提取策略、缺口分析。Retirement planner with pension calculation, investment strategy, social security, portfolio, withdrawal strategy, gap analysis. Use when you need retirement planner capabilities. Triggers on: retirement planner.

- Skill: `dvcrn/retirement-planner` (Agent Skill, multi-file: 3 files)
- Install (CLI): `npx skillmds@latest add dvcrn/retirement-planner`
- Raw SKILL.md: https://api.skillmd.com/api/skills/dvcrn/retirement-planner/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Security
- Author: dvcrn (https://skillmd.com/u/dvcrn)
- Updated: 2026-09-08
- Page: https://skillmd.com/skills/dvcrn/retirement-planner

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# retirement-planner

退休规划工具。退休金计算、投资策略、社保养老金、投资组合、提取策略、缺口分析。Retirement planner with pension calculation, investment strategy, social security, portfolio, withdrawal strategy, gap analysis.

## 核心特点

🎯 **精准** — 针对具体场景定制化输出
📋 **全面** — 多个命令覆盖完整工作流
🇨🇳 **本土化** — 完全适配中文用户习惯

## 可用命令

- **low** — low
- **medium** — medium
- **high** — high
- **low** — low
- **medium** — medium
- **high** — high
- **low** — low
- **medium** — medium


## 专业建议

- 算清需求** — 退休后月开销 × 12 × 预期寿命年数
- 盘点资源** — 社保养老金 + 现有储蓄 + 投资收益
- 填补缺口** — 制定每月储蓄和投资计划
- 通胀率按3%估算（实际可能更高）
- 投资回报：保守4%，中等7%，积极10%

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*retirement-planner by BytesAgain*
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