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Three Asset Categories

Community
kangarooking
three-asset-categories

用户在评估不同资产类别(货币/黄金/房产/股票/加密等)的长期价值,或需要理解某类资产的根本经济属性时。 语言信号:"黄金值不值得投"/"比特币有没有价值"/"房产vs股票哪个好"/"为什么持有现金会亏" 不适用于:不需要跨资产类别比较的纯个股分析。

Overview

Publisherkangarooking
Repositorybuffett-letters-skill
Skill namethree-asset-categories
Stars
109
Forks
20
Bundled files
1
LicenseMIT
Links
  • Markdown instructions

    A SKILL.md file the model loads on demand, so it only costs tokens when a request actually matches.

  • Works with any LLM

    AI skills are plain Markdown, not provider-specific code, so this works with GPT, Claude, Gemini, Grok, or a local model.

  • 1 bundled files

    Scripts, templates, and references the model can read while it works. Files are read-only and never executed.

  • Open source

    Published by kangarooking on GitHub. Read the source before you install it.

Installation

Install the Three Asset Categories AI skill in TypingMind to use it with any LLM, or drop it into another agent that reads SKILL.md.

1

Install in TypingMind

TypingMind installs a skill straight from its GitHub folder — it reads SKILL.md, bundles the resource files, and stores the result locally.

  1. Open the app and go to Plugins → Skills.
  2. Choose "Install from GitHub".
  3. Paste the skill folder URL below and confirm.
    https://github.com/kangarooking/buffett-letters-skill/tree/main/three-asset-categories
  4. Enable the skill in any chat where you want it available.
Plugins → Skills → Add skill → From GitHub URL, then paste the folder URL and press Continue.
2

Install in another agent

Any agent that reads the Agent Skills format can use this skill — copy the folder into that agent's skills directory.

Claude Code — .claude/skills
git clone --depth 1 https://github.com/kangarooking/buffett-letters-skill.git /tmp/buffett-letters-skill
mkdir -p .claude/skills
cp -r /tmp/buffett-letters-skill/three-asset-categories .claude/skills/three-asset-categories
Restart Claude Code after copying so it picks up the new skill.

Use it in TypingMind

Enable Three Asset Categories in any TypingMind chat and the model takes it from there. Its name and description sit in the system prompt, and the moment a request matches, the model loads the full instructions itself — you never invoke it by hand, and it costs no tokens until it is actually used.

The model loads Three Asset Categories on its own as soon as a request matches it.

Works with any AI model

AI skills are plain Markdown instructions rather than provider-specific code, so Three Asset Categories is not tied to the model it was written for. Install it once in TypingMind and use it with GPT-5, Claude, Gemini, Grok, DeepSeek, Mistral, Llama, or a local model you run yourself — all on your own API keys.

  • Loaded only when it is needed

    The system prompt carries just the name and description. The instructions are fetched on the first matching request, so an idle skill costs nothing.

  • Switch models mid-chat

    Because the skill is instructions rather than code, changing model does not break it — the next model reads the same SKILL.md.

Skill instructions

This is the SKILL.md content the model loads. Read it before installing — a skill is instructions your model will follow.

三类投资分类法

R — 原文 (Reading)

"Investments that are denominated in a given currency... assets that will never produce anything... and productive assets." (2011)

I — 方法论骨架

所有投资分为三类,长期回报递增:

  1. 货币性资产(债券/存款/货币基金):名义安全但购买力被通胀侵蚀——"货币贬值是隐性税"
  2. 非生产性资产(黄金/比特币/收藏品):不产生任何现金流,价值完全依赖"有人出更高价"——"灌木丛里没有鸟"
  3. 生产性资产(农场/房产/优秀企业股票):持续产生现金流和复利——长期竞赛中的必然赢家

关键洞察:第三类资产的长期回报不需要依赖任何人的乐观情绪——生产力本身就是回报来源。

A1 — 书中的应用

案例: 黄金 vs 农场 vs 可口可乐

  • 使用: 2011年信中对比三类资产——黄金不产生任何东西,农场产出粮食,Coke产出利润和股息
  • 结果: 证明第三类资产在长期竞赛中必然胜出——因为前两类不创造价值,只有第三类在创造

案例: 比特币评价

  • 使用: 比特币属于第二类——不产生现金流,价值完全依赖更大的傻瓜
  • 结果: "你不拥有它,它也不产生任何东西"——三问框架下内在价值为零

A2 — 触发场景

  1. 评估黄金/加密货币/收藏品的投资价值
  2. 理解为什么持有现金长期会亏
  3. 比较房产、股票、债券的长期回报
  4. 有人推荐"抗通胀"的非生产性资产

语言信号

  • "黄金是不是避险资产?"
  • "比特币值不值得投?"
  • "为什么持有现金会亏钱?"
  • "房产和股票哪个更好?"

与相邻 skill 的区分

  • 与 aesop-three-questions 的区别:三问评估单个资产价值,三类分类法是宏观框架

E — 可执行步骤

  1. 给资产分类

    • 完成标准:目标资产属于三类中的哪一类?判断依据是它是否产生现金流
  2. 计算"鸟的数量"

    • 完成标准:第一类和第二类的灌木丛里有几只鸟?如果答案是零 → 长期看必然输给第三类
  3. 评估通胀影响

    • 完成标准:在考虑通胀后,第一类资产的实际回报是多少?是否为负?

B — 边界

  • 短期内第二类资产可能大幅上涨(投机需求)——三分类法是长期框架
  • 第一类资产在通缩环境下可能表现很好——并非永远最差
  • 作者盲点:巴菲特生活在美元体系——其他货币环境下第一类资产的结论可能不同

相关 skills (阶段 3 填充)

  • depends-on: aesop-three-questions
  • composes-with: compounding-thinking, inflation-thinking

审计信息

  • 验证通过: V1 ✓ / V2 ✓ / V3 ✓
  • 蒸馏时间: 2026-04-16

Bundled files

The model reads these on demand while the skill is loaded. They are exposed as readable files and are never executed.

Frequently asked questions

What does the Three Asset Categories AI skill do?

用户在评估不同资产类别(货币/黄金/房产/股票/加密等)的长期价值,或需要理解某类资产的根本经济属性时。 语言信号:"黄金值不值得投"/"比特币有没有价值"/"房产vs股票哪个好"/"为什么持有现金会亏" 不适用于:不需要跨资产类别比较的纯个股分析。

Why use Three Asset Categories on TypingMind?

Because you install it once and use it with any model. Three Asset Categories is plain Markdown rather than provider-specific code, so the same skill runs on GPT-5, Claude, Gemini, Grok, or a local model — and you can switch model mid-chat without it breaking. TypingMind runs on your own API keys, so you pay providers directly instead of a per-seat subscription, and your skills and chats stay in your own storage.

How do I install Three Asset Categories in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/kangarooking/buffett-letters-skill/tree/main/three-asset-categories. TypingMind reads its SKILL.md and bundles its files and installs it as a skill you can enable per chat.

Which AI models can use Three Asset Categories?

Any model you connect in TypingMind. AI skills are plain Markdown instructions rather than provider-specific code, so GPT, Claude, Gemini, Grok, and local models can all load this skill when a request matches it.

How many AI models can I use with Three Asset Categories?

As many as you like. As long as a model supports skills, you can use Three Asset Categories with it — GPT, Claude, Gemini, Grok, DeepSeek, Mistral, Llama and more — all on TypingMind with your own API keys.

Is the Three Asset Categories AI skill free?

Yes. It is published on GitHub by kangarooking under the MIT license. You only pay your own AI provider for the tokens you use.

What are AI skills?

An AI skill is a reusable instruction bundle that teaches an AI model how to do one specific task. It follows the open Agent Skills format: a SKILL.md file with a name and description, plus any scripts, templates or reference files the model may need. The model reads the instructions only when your request matches the skill, so an installed skill costs nothing until it is used.

How are AI skills different from plugins or MCP servers?

A plugin or MCP server gives a model new tools to call — code that runs somewhere and returns a result. An AI skill gives the model knowledge and process instead: how to approach a task, which steps to follow, what good output looks like. Skills are plain Markdown, so they need no server, no API key and no runtime, and they work with any model.

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