invest-map

# Invest Map

Cash first. Debt order. Then a boring core. Education only.

Inspired by kusandriadi/finance investing-basics and model-portfolios (MIT). Original Grok remake. Not personalized financial advice and not a brokerage connector. Complements cash-plan (budgeting) without replacing it.

Read `references/rails.md` before you write numbers. Fill the three templates.

## When to use
- Investing basics, first portfolio, asset allocation, DCA, index funds
- "where do I put savings after emergency fund"
- Risk tolerance / horizon mapping for long-term goals

## When NOT to use
- Place trades, connect broker APIs, Plaid, Alpaca, IBKR, or wallet keys
- Day trading, options selling recipes, forex bots, leverage, "guaranteed return"
- Tax filing, estate documents, or licensed planner work they asked a pro for
- Household budget / debt avalanche as the main ask (use cash-plan first)

## Inputs
- Country / currency context (defaults stay general if unknown)
- Goal and years until money is needed
- Emergency fund status and high-interest debt status
- Risk comfort (sleep-at-night drawdown language)
- Any employer plan match (name it; do not invent plan rules)

## Procedure
1. Read `references/rails.md`. Refuse trade execution and credential help.
2. Gate order (do not invert): high-interest debt plan, then emergency cash for the horizon, then insurance basics named as a checklist, then invest.
3. Map horizon: under 3 years stays mostly cash/bonds education; 3-7 mixed; 7+ can hold a stock-heavy core if they accept drawdowns.
4. Pick a risk band in plain words (conservative / moderate / growth) tied to max drawdown they claim they can hold through. Label guesses.
5. Propose a simple core: low-cost broad index funds or equivalent country-appropriate vehicles as education examples, not tickers to chase. Optional small satellite only if they insist on active picks.
6. Default funding rule: automatic DCA on payday. No timing theater.
7. Costs matter: prefer low expense ratios; say fees compound against them.
8. Fill `templates/gate-check.md`, `templates/allocation.md`, and `templates/review-rule.md`.
9. One review rule: rebalance on calendar or drift band, change one variable at a time.

## Output format
- Gate check (debt / emergency / invest-ready)
- Allocation map with horizon and risk band
- Review rule + funding cadence
- One line: educational only, not personalized financial advice

## Safety
- Follow `references/rails.md` with no exceptions.
- No brokerage, no account numbers, no secrets.
- No return promises. No pressure to invest before high-interest debt and emergency cash are handled.
- Crypto or single-stock satellites stay small and labeled speculative if mentioned at all.

## Stop conditions
- Map delivered, or refused because they need a licensed advisor / tax pro / cash-plan first