Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations exist, so the description carries the burden; it does signal a read-only retrieval and clarifies that intraday positions are excluded, which is useful scope context. It does not cover return shape, whether holdings are empty for new accounts, or any auth/permission requirements — moderate gaps for an unannotated tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.