Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already convey readOnlyHint=true and openWorldHint=true, so safety is covered. The description adds only that lookup is by fund id, without new behavioral context (e.g., not-found behavior, data freshness). Meets the lower bar set by annotations but adds little.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.