Agents

Cash Management

04/20/2026

Idle cash is a cost. Every day your money sits uninvested, it’s either losing ground to inflation or missing out on yield it could be earning. The Cash Management skill lets your Agent monitor your account balances and move money automatically—sweeping excess cash into yield accounts, maintaining minimum liquidity buffers, or reallocating funds when conditions in your portfolio are met. You set the rules. Your Agent makes sure the money is always working.

Internal Account Movement

Your Agent can move cash between your Public accounts—from your brokerage into your High-Yield Cash Account, Bond Account, Treasury holdings or even IRA accounts—based on balance thresholds, time triggers, or portfolio conditions you define.

Example prompts:

Sweep any cash over $5,000 in my brokerage account into my High-Yield Cash Account at the end of each week.

On the first of every month, roll any uninvested cash into the highest-yielding account available.

If my cash balance drops below $1,000, alert me before any new trades are executed.

External Deposits coming soon

Your Agent can trigger or respond to incoming deposits from your linked bank account—putting new cash to work as soon as it arrives, or holding it until specific market conditions are met.

Example prompts:

When my $10,000 monthly deposit arrives, automatically invest $3,500 into SPY, $1,500 into QQQ and keep $5,000 as cash.

If my bank deposit arrives and the market is down more than 2% that day, invest 50% into QQQ.

Every time a deposit hits my account, split it equally between my Bond Account and my High-Yield Cash Account.

Portfolio Performance coming soon

Your Agent will be able to read your portfolio’s overall performance—gains, losses, and returns over time—and use that data to trigger cash movements, rebalancing actions, or risk management decisions.

Example prompts:

If my portfolio is up more than 10% year-to-date, move $5,000 into my High-Yield Cash Account as a buffer.

If my overall portfolio drops 10% from its peak, stop all new buys and hold cash until conditions improve.

Alert me if any single position accounts for more than 25% of my total portfolio value.

Dividend Reinvesting coming soon

Your Agent will be able to capture incoming dividends and automatically reinvest them—back into the same stock, into a different asset, or into a yield account—based on rules you set in advance.

Example prompts:

Reinvest all dividends from my individual stocks back into the same position.

Collect dividends in cash until the balance reaches $500, then invest the full amount into SPY.

Reinvest dividends from SCHD into my QQQ.

Bank Balance Checks coming soon

Your Agent will be able to check your linked external bank balance before triggering deposits or cash movements—ensuring you never overdraw or move more than you intend to.

Example prompts:

Before sweeping cash from my bank, confirm the balance is above $10,000.

Only trigger my monthly deposit if my checking account has at least $15,000 in it.

Alert me if my bank balance drops below $10,000 before any scheduled transfer.

Rebalancing coming soon

Your Agent will be able to monitor your portfolio’s allocation across assets or asset classes and automatically rebalance when drift exceeds a threshold you define—keeping your portfolio in line with your target mix without manual intervention.

Example prompts:

Rebalance my portfolio to a 70/30 stocks-to-bonds split at the start of each quarter.

If any single stock position grows to more than 15% of my portfolio, trim it back to 10%.

If my crypto allocation drifts more than 5 percentage points from my target, rebalance automatically.

Account Statements coming soon

Your Agent will be able to reference account statement data—including transaction history, realized gains and losses, and account summaries—to inform cash decisions and trigger actions based on your account’s actual financial picture.

Example prompts:

If my realized losses this quarter exceed $2,000, pause all new buys until the next quarter begins.

At the end of each month, review my transaction history and alert me if I've made more than 20 trades.

If my year-to-date realized gains exceed $40,000, move $8,000 into my High-Yield Cash Account as a tax buffer.

The Cash Management skill ensures that every dollar in your account has a job. From sweeping idle cash into yield accounts to automatically reinvesting dividends and rebalancing your allocation, your Agent keeps your money moving with intention—so you’re never leaving returns on the table simply because you weren’t paying attention.