messages listlengths 1 1 | positive_messages listlengths 1 1 | negative_messages listlengths 7 7 |
|---|---|---|
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that best answer the question. Query: Diversification reduces risk, but does this base on the assumption that expected return of each asset is always in proportion to its risk?"
}
] | [
[
{
"role": "user",
"content": "if I have a asset A with expected return of 100% and risk(measured by standard deviation) 1%, and asset B with expected return of 1% and risk 100%, would it be rational to put asset B into the portfolio ? In the capital asset pricing model (CAPM), investors are ration... | [
[
{
"role": "user",
"content": "You have to understand what risk is and how much risk you want to take on, and weight your portfolio accordingly. I think your 80/20 split based on wrong assumptions is the wrong way to look at it. It sounds like your risk appetite has changed. Risk is deviation from ... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: Car Insurance - Black box has broken and insurance company wants me to pay?"
}
] | [
[
{
"role": "user",
"content": "Unless it is in the contract that you must replace it then this should be replaced by your insurance. They sent you a box that was defective, consumer grade electronics are designed for at least 85 deg C (185F) and unless they can prove your car was hotter than that t... | [
[
{
"role": "user",
"content": "Answer their questions as honestly as you can, they should know that you aren't going to have the answer off hand to everything and that is ok. One way that you can cover yourself is to take photographs of everything that way if anything catastrophic does happen you w... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that best answer the question. Query: Clarification on 529 fund"
}
] | [
[
{
"role": "user",
"content": "You are faced with a dilemma. If you use a 529 plan to fund your education, the short timeline of a few years will limit your returns that are tax free. Most people who use a 529 plan either purchase years of tuition via lump sum, when the child is young; or they put ... | [
[
{
"role": "user",
"content": "The 10 year comparison between your fund and the S&P 500 - I'd say more, but not sure it's needed."
}
],
[
{
"role": "user",
"content": "I recommend opening a UTMA investment account with any of the major discount brokerage firms (Schwab, Fidel... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: I have a million dollars of disposable income. What should I do to best benefit the economy?"
}
] | [
[
{
"role": "user",
"content": "\"At first, I thought this might be too broad. There are of course thousands of things that you can do with your money to \"\"help the economy\"\". But I think that there is room to discuss some broad strokes without trying to list a thousand details. Regular investin... | [
[
{
"role": "user",
"content": "that disposable income, include bill gates, jeff bezo and mark zuckeberg. take those few people away from the pile, The entire country really has no surplus income left. Hence why credit card and household debt are all back up. The income inequality and wealth dispari... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: What to think of two at the money call options with different strike prices and premiums?"
}
] | [
[
{
"role": "user",
"content": "\"Your scenario depicts 2 \"\"in the money\"\" options, not \"\"at the money\"\". The former is when the share price is higher than the option strike, the second is when share price is right at strike. I agree this is a highly unlikely scenario, because everyone prici... | [
[
{
"role": "user",
"content": "\"Yes, long calls, and that's a good point. Let's see... if I bought one contract at the Bid price above... $97.13 at expiry of $96.43 option = out of the money =- option price(x100) = $113 loss. $97.13 at expiry of $97.00 option = out of the money =- option price(x10... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that best answer the question. Query: PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why?"
}
] | [
[
{
"role": "user",
"content": "It's always a good idea to check your credit history on a regular basis - try checking your credit score from one of the independent providers recently (like Equifax) ? Maybe that will offer a clue what PayPal is doing."
}
]
] | [
[
{
"role": "user",
"content": "Yes, you can set up a PayPal or a Google Checkout account without a bank account linked to it. Neither PayPal nor Google Checkout requires you to link to a bank account. Both services provide for linking your payment account to a credit card instead."
}
],
[
... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Tax implications of restricted stock units"
}
] | [
[
{
"role": "user",
"content": "With the Employee Stock Purchase Plan stock, if you sell it in less than 18 months from exercise, the discount you bought it at (normally 15%) becomes taxable income and included in your W-2."
}
]
] | [
[
{
"role": "user",
"content": "Assuming you bought the stocks with after-tax money, you only pay tax on the difference. Had you bought he shares in a pretax retirement account, such as an IRA or 401(k), the taxation waits until you withdraw, at which point, it's all taxed as ordinary income."
}... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that best answer the question. Query: Can you sell a security through a different broker from which it was purchased?"
}
] | [
[
{
"role": "user",
"content": "Many brokers allow you to transfer shares to another broker without selling them. It depends on what kind of account and who the broker is for what forms you might have to fill out and what other hoops you might have to jump through."
}
]
] | [
[
{
"role": "user",
"content": "Typically, as an individual, you can't just decide you want to lend out some securities. There is a lot of legalities that must take place in order to engage in such a transaction. It's a regulated industry and the contractual obligations that exist between borrower a... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that answer the question. Query: How does a delta signify the probability of expiring in the money"
}
] | [
[
{
"role": "user",
"content": "Just for clarification, delta and probability of expiring in the money are not the same thing. What the guy meant was that delta is usually a close enough approximation to the probability. One way to think about it is to look at the probabilities and deltas of In the ... | [
[
{
"role": "user",
"content": "\"First, welcome to Money.SE. The selected page is awful. I don't know the value in listing different expirations at the same strike. Usually, all the strikes are grouped by month, so I'd be looking at Jan '15 across all strikes. \"\"In the money\"\" means the price o... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: How to get a down payment for your next home? Use current home as the down payment on the new one?"
}
] | [
[
{
"role": "user",
"content": "This is of course a perfectly normal thing to happen. People trade up to a bigger house every day. When you've found a bigger house you want to move to and a buyer for your existing one, you arrange 'closing dates' for both i.e. the date on which the sale actually hap... | [
[
{
"role": "user",
"content": "I'm not saying it's great, but I have a 705... I think we'll get a second opinion to lower that rate. Also, logically, with a higher down payment, we should be able to reduce the amount we need to borrow. Is that how that would work? For example, if we scrounged up a ... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: When the Reserve Bank determines the interest rates, do they take the house prices into account?"
}
] | [
[
{
"role": "user",
"content": "\"I'm not intimately familiar with the situation in Australia, but in the US the powers that be have adopted an interventionist philosophy. The Federal Reserve (Central Bank) is \"\"buying back\"\" US Gov't debt to keep rates low, and the government is keeping mortgag... | [
[
{
"role": "user",
"content": "If all you look at is the people that can afford houses, then you're just primarily looking at banking policies -- who they will make a loan to, and on what loan terms; which are fairly consistent over time. FRED's home ownership statistic is calculated as the number ... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: Why does the stock market index get affected when a terrorist attack takes place?"
}
] | [
[
{
"role": "user",
"content": "\"There are more than a few different ways to consider why someone may have a transaction in the stock market: Employee stock options - If part of my compensation comes from having options that vest over time, I may well sell shares at various points because I don't w... | [
[
{
"role": "user",
"content": "\"Indexes are down during the summer time, and I don't think it has something to do with specific stocks. If you look at the index history you'll see that there's a price drop during the summer time. Google \"\"Sell in May and go away\"\". The BP was cheap at the time... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Do you avoid tax when taking a home equity loan?"
}
] | [
[
{
"role": "user",
"content": "Loans are not taxable events. The equity you took out is not income. It's a loan, and you pay it back with interest. You pay taxes on the capital gain of the home when you sell it. The tax does not take into account any mortgages, HELOCs, or other loans secured by the... | [
[
{
"role": "user",
"content": "\"Taking out your equity when refinancing means that you take out a new loan for the full value of your house (perhaps less 20% as a down payment on the new mortgage, otherwise you'll be paying insurance), pay off your old lender, and keep the rest for yourself. The r... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that answer the question. Query: Does Tennessee have anything like a principal residence exemption?"
}
] | [
[
{
"role": "user",
"content": "\"There's no homestead property tax exemption in TN. According to the TN comptroller site: Exemptions Exemptions are available for religious, charitable, scientific, and nonprofit educational uses, governmental property, and cemeteries. Most nongovernmental exemptions... | [
[
{
"role": "user",
"content": "\"Tennessee is piloting a TSA \"\"on the ground\"\" program called [VIPR](http://en.wikipedia.org/wiki/Visible_Intermodal_Prevention_and_Response_team). This involves stopping vehicles and searching. From a liberty standpoint, this is in direct opposition to [Freedom ... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Is stock trading based more on luck than poker playing?"
}
] | [
[
{
"role": "user",
"content": "I'd say that it cannot be meaningfully calculated or measured because the two are just too different in every way. Poker Stock trading I guess the last point (that someone relying on luck is exploitable in poker but not in stock trading) could be interpreted as stock ... | [
[
{
"role": "user",
"content": "No, the stock market and investing in general is not a zero sum game. Some types of trades are zero sum because of the nature of the trade. But someone isn't necessarily losing when you gain in the sale of a stock or other security. I'm not going to type out a technic... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Germany: Employee and Entrepreneur at same time (for getting AppStore payments)"
}
] | [
[
{
"role": "user",
"content": "\"(Selling apps is AFAIK business, not freelancing - unless the type of app you produce is considered a freelancing subject. The tax office will give you a questionnaire and then decide). As Einzelunternehmer, you can receive the payments for the apps to the same acco... | [
[
{
"role": "user",
"content": "\"I'll assume that you would work as a regular (part-time) employee. In this case, you are technically a Grenzgänger. You will need a specific kind of Swiss permit (\"\"Grenzgängerbewilligung\"\") allowing you to work in Switzerland. Your employer typically takes care... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve passages that best answer the question. Query: How is a long call and short stock portfolio equivalent to lending money"
}
] | [
[
{
"role": "user",
"content": "hmmm. I think it's because in both cases, you must pay for it up front, before the positions are closed out. You own nothing except the right to buy the stock re: the call, and the obligation to buy the stock re: the short. You buy a call, but must borrow the stock, f... | [
[
{
"role": "user",
"content": "First off, you should phone your broker and ask them just to be 100% certain. You will be exercised on the short option that was in the money. It is irrelevant that your portfolio does not contain AAPL stock. You will simply be charged the amount it costs to purchase ... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Paying tax for freelance work while travelling"
}
] | [
[
{
"role": "user",
"content": "Having freelanced myself in South America I could give you a sound advice BUT you would first need to answer some questions. 1) How long do you plan on being in South America? At the end of 2017 will you be back in Ireland or still being in South America? In other wor... | [
[
{
"role": "user",
"content": "I will not pay any taxes in the Us, since I am not working for an US company What you will or will not pay is up to you of course, but you definitely should pay taxes in the US, as you're working in the US. Since you mentioned being from Japan, I'll also suggest check... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: What is the purpose of property tax?"
}
] | [
[
{
"role": "user",
"content": "Property taxes are levied by the local authorities to pay for their services. Since the services are continuous - so are the charges. You need someone to pave a road to your house, to build infrastructure, to maintain the police force, fire department, local schools e... | [
[
{
"role": "user",
"content": "Thanks for the extra info on the property tax. So it sounds like it's going to be $1500 for a $150k house. I'm sure even if it's sold for $150 the state might still value it at $15k and you'll end up with $150 in property taxes which is basically nothing."
}
],
... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Administrator vs Broker vs Custodian for a Solo 401(k)?"
}
] | [
[
{
"role": "user",
"content": "Their paperwork should help you along. Schwab is the broker and custodian, you are the administrator. There's virtually no paperwork after the account is opened, until you hit $250K in value, and then there's one extra IRS form you need to fill out each year. See One-... | [
[
{
"role": "user",
"content": "If you go through the web pages of some online brokers, you will find out that some of them allow you to manage friends/relatives accounts from your account as a trusteer. That should really solve your underlying problem, you will need only one login, etc. (Example: h... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Virtual Terminal WITHOUT merchant account?"
}
] | [
[
{
"role": "user",
"content": "You would need to setup a company (even if it's just a sole proprietorship, in the US) to be able to apply for a true merchant account. And thus have a terminal; either real or virtual in your home or business. However, many services such as paypal allow you to accept... | [
[
{
"role": "user",
"content": "Get the cash you need to expand your business. Free information. Call Now. 866-334-8705. Our goal: Helping small companies rebuild in this economy through private lending. We are looking for business owners that want to save money on their credit card processing or be... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: For what dates are the NYSE and U.S. stock exchanges typically closed?"
}
] | [
[
{
"role": "user",
"content": "Stumbled upon this question, I've found the updated dates for 2016 and 2017 in a more permanent location. https://www.nyse.com/markets/hours-calendars"
}
]
] | [
[
{
"role": "user",
"content": "It is because 17th was Friday, 18th-19th were weekends and 20th was a holiday on the Toronto Stock Exchange (Family Day). Just to confirm you could have picked up another stock trading on TMX and observed the price movements."
}
],
[
{
"role": "user"... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: 401k vs. real estate for someone who is great at saving?"
}
] | [
[
{
"role": "user",
"content": "With an appropriate selection within a 401K and if operating expenses are low, you get tax deferred savings and possibly a lower tax bracket for now. The returns vary of course with market fluctuations but for almost 3 years it has been double digit growth on average.... | [
[
{
"role": "user",
"content": "well yes but you should also begin to understand the sectoral component of real estate as a market too in that there can be commercial property; industrial property and retail property; each of which is capable of having slightly (tho usually similar of course) differ... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Calculating theoretical Present Value"
}
] | [
[
{
"role": "user",
"content": "The example from the following website: Investopedia - Calculating The Present And Future Value Of Annuities specifically the section 'Calculating the Present Value of an Annuity Due' shows how the calculation is made. Using their figures, if five payments of $1000 ar... | [
[
{
"role": "user",
"content": "> 1)What is the formula to turn the annualized rate into a monthly rate? What do you *think* it is? > 2)What is the formula to find out the NPV of monthly cash flows? Same one as usual. Remember, value can only be summed if it's *at the same point in time.* >... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: searching for historic exchange rate provider which meets this example data"
}
] | [
[
{
"role": "user",
"content": "You will most likely not be able to avoid some form of format conversion, regardless of which data you use since there is, afaik, no standard for this data and everyone exports it differently. One viable option would be, like you said yourself, using the free data pro... | [
[
{
"role": "user",
"content": "An alternative to paying thousands of dollars for historical prices by the minute: Subscribe to real time data for as low as USD$1.5/month from your broker, then browse the chart."
}
],
[
{
"role": "user",
"content": "The right answer to this q... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Problems with Enterprise Value and better valuation techniques"
}
] | [
[
{
"role": "user",
"content": "This is a tough question SFun28. Let's try and debug the metric. First, let's expand upon the notion share price is determined in an efficient market where prospective buyers and sellers have access to info on an enterprises' cash balance and they may weigh that into ... | [
[
{
"role": "user",
"content": "I'll give you my quick and dirty way to value a company: A quick and dirty valuation could be: equity + 10 times profit. This quick way protects you from investing in companies in debt, or losing money. To go more in-depth you need to assess future profit, etc. I reco... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve relevant passages that best answer the question. Query: Does Apple have $0 of treasury stock?"
}
] | [
[
{
"role": "user",
"content": "\"Treasury stock is not really represented in the Balance Sheet as a \"\"Treasury stock\"\" line item in the assets. Some companies will break out Treasury Shares as a line item in the \"\"Shareholders Equity\"\" heading of the balance sheet but Apple hides it in the ... | [
[
{
"role": "user",
"content": "No you don't. I just went through 6 months of your history, and you didn't make a single comment of the sort. Edit: it makes me sad that I got downvoted for pointing out a lie, just because it has to do with apple."
}
],
[
{
"role": "user",
"co... |
[
{
"role": "user",
"content": "Instruct: Given a financial question, retrieve replies that best answer the question. Query: Form 1040 - where to place my stipend?"
}
] | [
[
{
"role": "user",
"content": "If you're correct that it's not taxable because it's non-taxable reimbursement (which is supported by your W-2), then it should not go on your 1040 at all. If it is taxable, then it really should have appeared on your W-2 and would probably end up on Line 7 of your Fo... | [
[
{
"role": "user",
"content": "\"You would put your earnings (and expenses, don't forget) on Schedule C, and then do a Schedule SE for self-employment tax. http://www.irs.gov/businesses/small/article/0,,id=98846,00.html 1040ES isn't used to compute taxes, it's used to pay taxes. Generally you are s... |
End of preview. Expand in Data Studio
Korean Embedding — Sionic AutoRAG domain 100K
AutoRAG의 금융·상거래·법률 domain retrieval을 보강하기 위한 100,000-row performance dataset이다. F2LLM-v2 collection의 영어 FIQA/Amazon/Banking77과 중국어 e-commerce/legal QA를 query/positive/negative contrastive schema로 묶었다.
사용 조건과 평가 노출
release_eligible: false인 performance/non-commercial 연구용 composite다. 통합
라이선스는 other이며 F2 collection의 Apache-2.0 표기가 개별 upstream 권리를
재허가하지 않는다.
AutoRAG evaluation repository, query, qrel, corpus는 loader 입력으로 사용하지 않았다. 15-task exact audit에서 query/evaluation-text critical match는 0, AutoRAG exact match도 0이다. Ko-StrategyQA corpus와 같은 짧은 text hash가 query body에 1개 있어 이를 corpus-only exposure로 공개한다. clean zero-shot dataset이라고 주장하지 않는다.
구성
모든 source revision:
codefuse-ai/F2LLM-v2@d520b8ad02c86d5e5611441c6196ff65d8888927.
| File | Rows | Domain/language |
|---|---|---|
fiqa.parquet |
7,000 | finance, English |
amazon_qa.parquet |
31,000 | commerce, English |
banking77.parquet |
9,000 | banking intents, English |
multicpr_ecom.parquet |
42,000 | e-commerce, Chinese |
lawzhidao.parquet |
11,000 | legal QA, Chinese |
| 합계 | 100,000 |
각 row는 positive 1개와 explicit negative 7개를 갖는다.
사용법
from datasets import load_dataset
ds = load_dataset(
"LLM-OS-Models/korean-embedding-performance-v1-sionic-autorag-100k",
split="train",
)
print(ds[0]["messages"][0]["content"])
JSONL은 ms-swift embedding schema인 messages, positive_messages,
negative_messages 세 필드로 구성된다. provenance는 row별 source/file/revision,
row SHA와 benchmark exposure를 보존한다.
전수 품질 감사
- rows 100,000; negative 7개/row
- row SHA mismatch 0; provenance index mismatch 0
- query body 4자 미만 0
- query styles: short/title 53,844; natural question 36,511; long 6,501; comma/keyword 3,144
- query length p50/p95: 24/138 characters
- positive length p50/p95: 83/734 characters
- upstream instruction variants 115
- exact duplicates beyond first: query 2,928; positive 2,468
15-task benchmark hash 감사
- checked: query full/body 각 100K, positive 100K, negative 700K
- query/evaluation-text critical matches: 0
- AutoRAG query/corpus match: 0
- corpus-only match: 고유 1 hash, Amazon QA query-body occurrence 1, Ko-StrategyQA corpus 위치
감사 결과에는 원문이 없고 SHA와 role/source/task 위치만 있다.
무결성
- train SHA:
9b636831e1f4c5eb5d453c0b5f18eb642115035ba13d75a4d70ffd9fb905b835 - provenance SHA:
05006632636b7c619152dca259db1dd71b32fb9d3263bb30e024c702e34d0f01 - quality audit:
metadata/training_data_quality_audit.json - overlap audit:
metadata/benchmark_overlap_audit.json
Sionic 9 macro, 공식 MTEB Korean v1, clean 종합 회귀를 완료하기 전에는 AutoRAG나 Comsat 성능 향상을 주장하지 않는다. MIRACL을 포함한 다른 task도 모두 함께 평가한다.
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