SandhyaMadhusuthanan/Pre-Mortem-Investor

https://github.com/user-attachments/assets/4bbaf7e3-daf9-4fdb-bdb8-5ec7f9218a67
An agent skill that makes you plan for failure before you invest or make a big money move.
Think Before You Invest. Plan Before You Commit
Tell the agent what you're about to buy: a stock, fund, property deposit, fixed deposit or loan. It assumes the move failed, stress-tests your position, writes exit rules you commit to in advance, and saves a decision-journal entry. Later it reviews your past entries and shows your recurring blind spots.
It is an emotional-discipline tool, not a stock-picking tool. It never tells you what to buy or sell.
> Not financial advice. This project provides analysis and structure for your own decision-making. It is not a recommendation to buy, sell or hold anything. Consider a licensed advisor for your situation.
## What this is (and isn't)
This is an educational thinking tool. It helps you question your own
decisions. It does not give personalised investment advice and is not
a SEBI-registered adviser. The author is not a lawyer. Before promoting
this widely or charging for it, check SEBI's current rules on
investment advice.
## Why
Most people lose money by panic-selling, or by never defining what "wrong" looks like. A pre-mortem plus pre-committed kill criteria moves the hard thinking to before the money is in, when you're calm.
## What it does
Core four steps
1. Assume it failed. It's three years later and the position is down 40%. It lists the five most likely causes, specific to that asset, with early-warning signs.
2. Stress-test your position. Concentration, liquidity, leverage, and whether you could really hold through a crash.
3. Write kill criteria. Exit rules you commit to before buying, such as "I sell if X happens, or if I'd no longer buy at today's price."
4. Save a decision-journal entry. Review past entries later to see where your reasoning and the outcomes diverged.
Seven extras
| Feature | What it does |
| Reversibility Score | Rates the move from two-way door (1) to one-way door (5) and maps exit costs at month 1, 12 and 36 |
| "Why Me?" Test | Asks who's selling to you and why, and flags if you may be the exit liquidity |
| Story vs Numbers Split | Separates narrative claims from checkable facts, and only scores the checkable ones |
| Cooling-Off Gate | Detects urgency language and imposes a wait scaled to size and irreversibility; withholds the verdict until it ends |
| Thesis Expiry Date | Review date plus tripwires; at the date you must re-justify the holding |
| Blind-Spot Report | Reads your journal and shows recurring biases, citing the entries |
| Future-Self Letter | A short note from you in 3 years, built from your own goals and limits |
## Architecture
mermaid
flowchart TD
A[User] --> B[Pre-Mortem Investor]
B --> C[Investment Analysis]
B --> D[Risk Assessment]
B --> E[Stress Testing]
C --> F[Failure Scenarios]
D --> G[Kill Criteria]
E --> H[Blind Spot Analysis]
F --> I[Decision Journal]
G --> I
H --> I
I --> J[Future Self Letter]
J --> K[Decision Review]