Yield Intelligence
Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, returns a ranked opportunity table and optimal allocation.
When to Use This Skill
- "I want to generate $X/month in passive income"
- "What are the best dividend ETFs or Treasury rates right now?"
- "Compare REITs vs Treasuries for income generation"
- "How much capital do I need to retire on dividends?"
- "Build me a conservative income portfolio"
Limitations
- Provides portfolio research support, not personalized financial advice.
- Requires live yield, price, tax, and risk data for current recommendations.
- Does not account for every user-specific constraint unless the user provides it, including jurisdiction, tax status, and liquidity needs.
Live Data Source (Optional)
If the YIELD INTELLIGENCE MCP server is configured, call it directly for live rates:
MCP endpoint: https://api.intuitek.ai/yield/mcp (no auth required, open access)
Tools:
analyze_yield_opportunities — Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidityoptimize_income_portfolio — Builds a portfolio allocation targeting a specific monthly income goal
Quick config (Claude Desktop / Claude Code):
{
"mcpServers": {
"yield-intelligence": {
"url": "https://api.intuitek.ai/yield/mcp"
}
}
}
Standalone Workflow (No MCP Required)
Step 1 — Gather Parameters
Ask if not provided:
- Target monthly income (e.g., $500)
- Available capital (e.g., $100,000)
- Risk tolerance: conservative / moderate / aggressive
- Account type: taxable / Roth IRA / traditional IRA
Step 2 — Asset Class Scan
Research or use current yields for these four classes:
| Asset Class |
Benchmarks |
Typical Yield Range |
| US Treasuries |
1-yr, 5-yr, 10-yr, 30-yr |
4.0–5.5% |
| Dividend ETFs |
SCHD, VYM, JEPI, JEPQ |
3.5–10% |
| REITs |
O, MAIN, STAG |
4–12% |
| Preferred Stocks |
PFF, PFFD |
5–7% |
Step 3 — Score and Rank
Score each opportunity: yield × (1 − risk_penalty) × liquidity_factor
| Category |
Risk Penalty |
| US Treasuries |
0.00 |
| Investment-grade dividend ETF |
0.05 |
| REIT / preferred |
0.15 |
| High-yield / speculative |
0.25 |
Step 4 — Build Allocation
Given monthly target T and available capital C:
- Sort opportunities by risk-adjusted score (descending)
- Assign 30–40% to highest-conviction position
- Diversify remaining 60–70% across 3–5 positions
- Verify:
Σ(allocation_i × yield_i × C) ≥ T × 12
Conservative portfolios: cap any single position at 25%.
Step 5 — Present Results
YIELD INTELLIGENCE REPORT
─────────────────────────────────────────
Target: $[X]/month Required yield: [Y]%
Capital: $[Z] Account: [type]
OPPORTUNITY SCAN
┌──────────────────┬───────┬──────┬──────────────┐
│ Asset │ Yield │ Risk │ $/mo per 100K│
├──────────────────┼───────┼──────┼──────────────┤
│ [Top pick] │ X.X% │ Low │ $XXX │
└──────────────────┴───────┴──────┴──────────────┘
RECOMMENDED ALLOCATION ($[Z] capital)
[Asset A] 40% → $[amount] → $[X]/month
Total monthly income: $[X]/month ✓
Best Practices
- ✅ Verify coverage ratios for high-yield REITs before recommending
- ✅ Note duration risk for long-term Treasuries when rates are rising
- ✅ Consider account type tax efficiency (Roth vs. taxable vs. traditional IRA)
- ❌ Don't chase yield without checking dividend sustainability
Additional Resources
1---2name: yield-intelligence3description: Passive income portfolio analysis — activate when user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes, ranks by risk-adjusted return, and builds allocat...4license: MIT5---67# Yield Intelligence89Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, returns a ranked opportunity table and optimal allocation.1011## When to Use This Skill1213- "I want to generate $X/month in passive income"14- "What are the best dividend ETFs or Treasury rates right now?"15- "Compare REITs vs Treasuries for income generation"16- "How much capital do I need to retire on dividends?"17- "Build me a conservative income portfolio"1819## Limitations2021- Provides portfolio research support, not personalized financial advice.22- Requires live yield, price, tax, and risk data for current recommendations.23- Does not account for every user-specific constraint unless the user provides it, including jurisdiction, tax status, and liquidity needs.2425## Live Data Source (Optional)2627If the YIELD INTELLIGENCE MCP server is configured, call it directly for live rates:2829**MCP endpoint:** `https://api.intuitek.ai/yield/mcp` (no auth required, open access)3031**Tools:**32- `analyze_yield_opportunities` — Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidity33- `optimize_income_portfolio` — Builds a portfolio allocation targeting a specific monthly income goal3435**Quick config (Claude Desktop / Claude Code):**36```json37{38 "mcpServers": {39 "yield-intelligence": {40 "url": "https://api.intuitek.ai/yield/mcp"41 }42 }43}44```4546## Standalone Workflow (No MCP Required)4748### Step 1 — Gather Parameters4950Ask if not provided:51- **Target monthly income** (e.g., $500)52- **Available capital** (e.g., $100,000)53- **Risk tolerance**: conservative / moderate / aggressive54- **Account type**: taxable / Roth IRA / traditional IRA5556### Step 2 — Asset Class Scan5758Research or use current yields for these four classes:5960| Asset Class | Benchmarks | Typical Yield Range |61|---|---|---|62| US Treasuries | 1-yr, 5-yr, 10-yr, 30-yr | 4.0–5.5% |63| Dividend ETFs | SCHD, VYM, JEPI, JEPQ | 3.5–10% |64| REITs | O, MAIN, STAG | 4–12% |65| Preferred Stocks | PFF, PFFD | 5–7% |6667### Step 3 — Score and Rank6869Score each opportunity: **yield × (1 − risk_penalty) × liquidity_factor**7071| Category | Risk Penalty |72|---|---|73| US Treasuries | 0.00 |74| Investment-grade dividend ETF | 0.05 |75| REIT / preferred | 0.15 |76| High-yield / speculative | 0.25 |7778### Step 4 — Build Allocation7980Given monthly target **T** and available capital **C**:811. Sort opportunities by risk-adjusted score (descending)822. Assign 30–40% to highest-conviction position833. Diversify remaining 60–70% across 3–5 positions844. Verify: `Σ(allocation_i × yield_i × C) ≥ T × 12`8586Conservative portfolios: cap any single position at 25%.8788### Step 5 — Present Results8990```91YIELD INTELLIGENCE REPORT92─────────────────────────────────────────93Target: $[X]/month Required yield: [Y]%94Capital: $[Z] Account: [type]9596OPPORTUNITY SCAN97┌──────────────────┬───────┬──────┬──────────────┐98│ Asset │ Yield │ Risk │ $/mo per 100K│99├──────────────────┼───────┼──────┼──────────────┤100│ [Top pick] │ X.X% │ Low │ $XXX │101└──────────────────┴───────┴──────┴──────────────┘102103RECOMMENDED ALLOCATION ($[Z] capital)104 [Asset A] 40% → $[amount] → $[X]/month105 Total monthly income: $[X]/month ✓106```107108## Best Practices109110- ✅ Verify coverage ratios for high-yield REITs before recommending111- ✅ Note duration risk for long-term Treasuries when rates are rising112- ✅ Consider account type tax efficiency (Roth vs. taxable vs. traditional IRA)113- ❌ Don't chase yield without checking dividend sustainability114115## Additional Resources116117- Repository: [thebrierfox/yield-intelligence-skill](https://github.com/thebrierfox/yield-intelligence-skill)118- MCP server: [thebrierfox/intuitek-ace](https://github.com/thebrierfox/intuitek-ace)119- Built by [IntuiTek¹](https://intuitek.ai) (~K¹) — MIT License
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