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在 OpenClaw 中安装
/install pensions
功能描述
提供商业养老保险分析、养老金账户模拟、退休收入测算及理财组合建议。
安全使用建议
This skill claims to read personal pension/account data and keep sub-hourly synchronized views but provides no details on how it would access market feeds or your accounts (no required API keys, no integration docs, no install). Before installing or using it: 1) Ask the developer to explain exactly how it connects to market data and user accounts, what credentials it requires, and where exported statements are stored/transmitted. 2) Do not provide bank/broker credentials or tokens until you see a clear, documented integration (API endpoints, OAuth flows, or official partner info). 3) Prefer a sandbox or disposable test account for initial trials. 4) Request a privacy/data-retention policy and whether data is sent to third-party endpoints. The current manifest is incomplete and should be clarified before trusting it with sensitive financial data.
功能分析
Type: OpenClaw Skill
Name: pensions
Version: 0.1.1
The skill bundle consists of metadata and a descriptive markdown file (SKILL.md) outlining a pension analysis and retirement planning tool. There is no executable code, no network activity, and no evidence of malicious instructions or prompt injection; the content is entirely consistent with its stated financial advisory purpose.
能力评估
Purpose & Capability
The skill claims to analyze commercial pension insurance, simulate pension accounts, export transaction history, and perform sub-hourly syncing with personal account changes. However, the package requests no credentials, has no install steps, and provides no integration details (APIs, banks, brokers) that would be required to access personal financial data or perform automated syncing.
Instruction Scope
SKILL.md outlines filters, return fields, example prompts and promises daily/sub-hour synchronization with market and personal account changes and exports of transaction statements. It does not include any concrete runtime instructions for how to obtain market data, connect to user accounts, authenticate, or where exported statements are written or transmitted. That gap means the instructions either assume out-of-band access to sensitive data or are incomplete.
Install Mechanism
No install spec or code is included (instruction-only). This minimizes immediate filesystem or network install risk, but also reinforces that required integrations are not documented.
Credentials
The declared manifest lists no environment variables, credentials, or config paths — yet the skill's capabilities (transaction exports, account sync) normally require bank/broker credentials or API keys. The lack of declared secrets is disproportionate to the stated functionality and is a gap that needs explanation.
Persistence & Privilege
always is false and there are no install scripts. However, the SKILL.md promise of 'sub-hour level sync' implies periodic/background access which is not reflected in the manifest. If the skill later adds autonomous syncing or requests long-lived credentials, the privilege and blast radius would increase.
如何使用
- 确保已安装 OpenClaw（本地或 Docker 部署）
- 在对话框中输入安装命令：
/install pensions - 安装完成后，直接呼叫该 Skill 的名称或使用
/pensions触发 - 根据 Skill 的参数说明提供必要输入，即可获得结构化输出
版本历史
v0.1.1
Version 0.1.1 of the "Pensions" skill
- No functional or content changes detected in this version.
- No file changes identified compared to the previous release.
v0.1.0
- Initial release of the "Pensions" skill.
- 提供商业养老保险分析、养老金账户模拟、退休收入测算及理财组合建议。
- 支持多种资产类别、风险等级、流动性筛选。
- 可查询资产总额、盈亏、收益、交易明细、税费、风险状态等信息。
- 示例请求与使用说明清晰列出。
- 每日亚小时级数据同步，提醒注意投资风险与安全操作。
元数据
常见问题
Pensions 是什么？
提供商业养老保险分析、养老金账户模拟、退休收入测算及理财组合建议。 它是一个面向 Claude Code / OpenClaw 的 AI Agent Skill 插件，目前累计下载 230 次。
如何安装 Pensions？
在 OpenClaw 或 Claude Code 对话框中运行命令「/install pensions」即可一键安装，无需额外配置。
Pensions 是免费的吗？
是的，Pensions 完全免费，采用 MIT-0 许可证，可自由下载、安装和使用。
Pensions 支持哪些平台？
Pensions 跨平台运行，可在任意部署了 OpenClaw / Claude Code 的环境中使用（cross-platform）。
谁开发了 Pensions？
由 ClawKK（@codekungfu）开发并维护，当前版本 v0.1.1。
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