# Yield Intelligence

> 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 allocations targeting a specific monthly income.

- Skill: `thebrierfox-yield-intelligence-skill/yield-intelligence` (Agent Skill)
- Install (CLI): `npx skillmds@latest add thebrierfox-yield-intelligence-skill/yield-intelligence`
- Raw SKILL.md: https://api.skillmd.com/api/skills/thebrierfox-yield-intelligence-skill/yield-intelligence/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: thebrierfox (https://skillmd.com/u/thebrierfox-yield-intelligence-skill)
- Updated: 2026-09-10
- Page: https://skillmd.com/skills/thebrierfox-yield-intelligence-skill/yield-intelligence

---


# 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

- "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"

## 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 liquidity
- `optimize_income_portfolio` — Builds a portfolio allocation targeting a specific monthly income goal

**Quick config (Claude Desktop / Claude Code):**
```json
{
  "mcpServers": {
    "yield-intelligence": {
      "url": "https://api.intuitek.ai/yield/mcp"
    }
  }
}
```

> MCP calls: $1 USDC via x402 on Base. The standalone workflow below requires no payment.

## 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 fetch 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% |

*Sources: TreasuryDirect.gov for Treasuries; fund factsheets for ETFs; SEC filings for REITs.*

### 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 |

Liquidity factor: 1.0 for ETFs, 0.95 for individual stocks/REITs.

### Step 4 — Build Allocation

Given monthly target **T** and available capital **C**:
1. Sort opportunities by risk-adjusted score (descending)
2. Assign 30–40% to highest-conviction position
3. Diversify remaining 60–70% across 3–5 positions
4. Verify: `Σ(allocation_i × yield_i × C) ≥ T × 12`

Conservative portfolios: cap any single position at 25%. Aggressive: up to 40%.

### 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     │
│ [Second pick]    │  X.X% │  Med │     $XXX     │
│ [Third pick]     │  X.X% │  Med │     $XXX     │
└──────────────────┴───────┴──────┴──────────────┘

RECOMMENDED ALLOCATION ($[Z] capital)
  [Asset A]  40%  →  $[amount]  →  $[X]/month
  [Asset B]  35%  →  $[amount]  →  $[X]/month
  [Asset C]  25%  →  $[amount]  →  $[X]/month
  ─────────────────────────────────────────────
  Total monthly income: $[X]/month ✓

KEY RISKS
  • Duration risk: [note if long-duration bonds]
  • Concentration: [flag if >40% in one class]
  • Tax: REITs = ordinary income (not qualified dividends)
  • [Account-specific tax optimization note]
```

## Tax Efficiency Notes

- **Roth IRA / 401(k)**: Ideal for high-yield REITs and preferred stocks (shield ordinary income)
- **Taxable account**: Favor SCHD, VYM (qualified dividends at lower rate)
- **Traditional IRA**: Treasuries work well (deferred tax, predictable income)

## Common Pitfalls

1. **Chasing yield without checking coverage ratios** — A 12% REIT yield that cuts its dividend leaves you with capital losses
2. **Ignoring duration risk** — Long Treasuries lose value when rates rise; 1–5 yr bills are safer for income preservation
3. **Forgetting inflation** — A 5% yield in year 1 may be 3% real yield after inflation; consider I-bonds or TIPS for a portion

## Source

Built by [IntuiTek¹](https://intuitek.ai) (~K¹). Hosted MCP server: `https://api.intuitek.ai/yield/mcp`.
Repository: [thebrierfox/intuitek-ace](https://github.com/thebrierfox/intuitek-ace) — MIT License.