Bond Ladder Planner
Read-only. reference/READ-ONLY-POLICY.md (hard rule) and
reference/RESEARCH-STANDARDS.md (bond framework, external-source and
freshness rules, disclosure) apply.
Where bond-analysis judges one instrument, this plans the set. Works
over whichever broker(s) BROKERS.md names active — resolve any
capability against reference/BROKER-CAPABILITIES.md. No broker
configured there exposes direct-bond holdings: the inventory, tenor
preference, credit floor, and reinvestment default all come from the
Fixed-income inventory section of PORTFOLIO-PLAN.md. Debt funds
come from there too, unless INDmoney is active and covers them (see
Tool availability in reference/RESEARCH-STANDARDS.md and
the unverified-row caveat in BROKER-CAPABILITIES.md).
Steps
Assemble the book. Direct bonds/NCDs/FDs/SGBs from the plan's
inventory (issuer, amount, coupon, maturity, rating) — if empty or
stale, offer portfolio-plan-builder or get the list from the user;
never invent an inventory. Debt funds from the same section, noting
category, duration profile and credit quality — fund facts
web-sourced and labelled, since the MCP has none. Total the book
against the plan's fixed-income target %.
Ladder view. Bucket by maturity year (funds by duration bucket:
liquid/short/medium/long). Show ₹ maturing per year and the weighted
average yield locked per bucket.
Curve context. WebSearch for the prevailing G-Sec curve and
top-rated corporate/FD rates across the relevant tenors — the
reference for every judgment below. Label as external, with date.
Diagnose: gaps and lumps (years with nothing maturing vs. years
with too much at once); reinvestment risk, quantified roughly
(₹ maturing × rate gap); credit mix below the plan's floor plus
issuer/sector concentration; overall duration vs. horizon and rate
outlook (coordinate with recent rate-watch findings).
Suggest moves — which tenor bucket new money fills, what to do at
each upcoming maturity, per the completeness checklist. This skill
picks the slot; specific instruments route to bond-analysis.
Present: ladder table (year, ₹ maturing, instruments, locked
yield), then flags, then moves, then the disclosure block and the
external-data freshness note. Formal version:
reference/templates/bond-ladder-planner.md.
1---2name: bond-ladder-planner3description: Plan the user's whole fixed-income book — maturity ladder, reinvestment risk, credit mix, gaps vs. plan targets. Use when the user asks about laddering bonds/FDs, what matures when, where to deploy fixed-income money next, or reviewing their debt allocation. Read-only.4---56# Bond Ladder Planner78Read-only. `reference/READ-ONLY-POLICY.md` (hard rule) and9`reference/RESEARCH-STANDARDS.md` (bond framework, external-source and10freshness rules, disclosure) apply.1112Where `bond-analysis` judges one instrument, this plans the set. Works13over whichever broker(s) `BROKERS.md` names active — resolve any14capability against `reference/BROKER-CAPABILITIES.md`. No broker15configured there exposes direct-bond holdings: the inventory, tenor16preference, credit floor, and reinvestment default all come from the17**Fixed-income inventory** section of `PORTFOLIO-PLAN.md`. Debt funds18come from there too, unless INDmoney is active and covers them (see19**Tool availability** in `reference/RESEARCH-STANDARDS.md` and20the unverified-row caveat in `BROKER-CAPABILITIES.md`).2122## Steps23241. **Assemble the book.** Direct bonds/NCDs/FDs/SGBs from the plan's25 inventory (issuer, amount, coupon, maturity, rating) — if empty or26 stale, offer `portfolio-plan-builder` or get the list from the user;27 never invent an inventory. Debt funds from the same section, noting28 category, duration profile and credit quality — fund facts29 web-sourced and labelled, since the MCP has none. Total the book30 against the plan's fixed-income target %.31322. **Ladder view.** Bucket by maturity year (funds by duration bucket:33 liquid/short/medium/long). Show ₹ maturing per year and the weighted34 average yield locked per bucket.35363. **Curve context.** `WebSearch` for the prevailing G-Sec curve and37 top-rated corporate/FD rates across the relevant tenors — the38 reference for every judgment below. Label as external, with date.39404. **Diagnose:** gaps and lumps (years with nothing maturing vs. years41 with too much at once); reinvestment risk, quantified roughly42 (₹ maturing × rate gap); credit mix below the plan's floor plus43 issuer/sector concentration; overall duration vs. horizon and rate44 outlook (coordinate with recent `rate-watch` findings).45465. **Suggest moves** — which tenor bucket new money fills, what to do at47 each upcoming maturity, per the completeness checklist. This skill48 picks the *slot*; specific instruments route to `bond-analysis`.49506. **Present:** ladder table (year, ₹ maturing, instruments, locked51 yield), then flags, then moves, then the disclosure block and the52 external-data freshness note. Formal version:53 `reference/templates/bond-ladder-planner.md`.
getlost01