Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile needs no restating. The description adds value by disclosing the data payload (holdings, return horizons, risk metrics, SPY benchmark) and the public-only constraint. It doesn't mention what happens with an invalid or stale URL, which is the one remaining behavioral unknown.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.