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investment-account-picker

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Understand which type of investment/savings account to use for your goal — the tax-advantaged vs taxable question, and which wrapper fits which money. Use when asked which account should I invest in, what's the difference between these account types, where should I put my savings, or tax-advantaged accounts explained. Produces a plain-language explainer of the common account categories (retirement/tax-advantaged, general/taxable, education, short-term), a match of your goals to the right account type, the order to prioritize them, and what to verify locally — because using the wrong wrapper can cost you real money. Not financial advice; account types are jurisdiction-specific.

plugins/pm-wealth/skills/investment-account-picker/SKILL.md

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# Investment-Account Picker

*Where* you hold your investments can matter as much as *what* you invest in — the right tax-advantaged account can save you thousands, and using the wrong wrapper (or missing free ones) leaves money on the table. But account types are a confusing, jurisdiction-specific alphabet soup. This explains the common *categories* in plain language, matches them to your goals, and gives a sensible priority order — then sends you to verify the specifics locally. Not financial advice.

## What This Skill Produces

- **The account categories, plainly** — the common types by *purpose* (retirement/tax-advantaged, general/taxable brokerage, education/other goal-specific, and short-term/cash) — described generically since names vary by country
- **Goal-to-account matching** — which kind of account fits which money (retirement money vs. a house deposit vs. general investing)
- **A priority order** — the sensible sequence (e.g. grab any matched retirement account first — free money — then other tax-advantaged, then taxable)
- **The free-benefits check** — the tax breaks and employer matches people commonly miss
- **What to verify locally** — a clear flag that exact account names, limits, and rules are jurisdiction-specific and must be confirmed

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