convene_council
Evaluates investing surplus vs prepaying a loan across tax, growth, and liquidity lenses to produce a weighted recommendation with confidence.
Instructions
Deterministic advisory council for "should I invest my surplus or prepay my loan?" decisions. In a single call it evaluates three lenses — tax minimization, long-term growth (equity vs loan rate) and liquidity/safety — and reconciles them into one weighted recommendation with agreement level and confidence. Pure/deterministic (zero extra LLM calls, reproducible). Supports task augmentation: pass task: {} to stream each lens deliberating.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| income | Yes | Gross annual income in ₹ (e.g. 1800000) | |
| regime | No | Tax regime (affects 80C benefit). Defaults to old for the tax lens | |
| hasLoan | Yes | Whether the user currently has an outstanding loan | |
| surplus | Yes | Amount available to invest or prepay in ₹ | |
| loanRate | No | Annual loan interest rate % (e.g. 9). Defaults to 9% when hasLoan and omitted | |
| section80CUsed | No | 80C limit already used this year in ₹ | |
| loanOutstanding | No | Outstanding loan principal in ₹ | |
| emergencyFundMonths | No | Months of expenses covered by liquid savings | |
| expectedEquityReturn | No | Override expected long-term equity return as a fraction (default 0.12) |