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AI agent for treasury analysts

Investment Maturity Ladder and Policy Check Agent

A reinvestment plan for every maturity that meets policy and the cash forecast

DecisionsPlanningFinance
See how it worksGet access
Investment Maturity Ladder and Policy Check Agent: what goes in, what the agent does and what you get

What it does

When investments mature, the analyst must decide what to buy next without breaking the investment policy. This agent reads the portfolio and the cash forecast and lists maturities in the next 90 days. It checks how much cash the company needs in each period so the ladder still matches future needs. For each maturing amount it proposes reinvestment options and tests each against the policy: issuer limits, minimum rating, maximum tenor and concentration. Options that breach a rule are rejected and the list is re-ranked by yield. It then checks that the final plan still leaves enough cash for the forecast. The treasurer approves each trade before it is placed. Edge case: a bank deposit that is allowed in policy but would push one bank over its exposure limit is rejected and replaced by another issuer.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Weekly review or a maturity within 30 days 2 USES A TOOL Read the portfolio and the cash forecast 3 DOES List maturities in the next 90 days and cash needsby period 4 USES A TOOL Collect current rates and available instruments 5 DOES Propose reinvestment options for each maturity 6 CHECKS THE RESULT Does each option meet issuer, rating and tenorlimits after it is added? If not: reject it, explain the breach and propose thenext-best option. Back to step 5. 7 DOES Rerank the compliant options by yield 8 CHECKS THE RESULT Does the plan leave enough cash for the forecast? If not: shorten the tenor or reduce the amount andrecheck policy. Back to step 5. 9 YOU APPROVE Treasurer approves each trade 10 RESULT Reinvestment plan and policy check record
Read the steps as a list
  1. Weekly review or a maturity within 30 days
  2. Read the portfolio and the cash forecast
  3. List maturities in the next 90 days and cash needs by period
  4. Collect current rates and available instruments
  5. Propose reinvestment options for each maturity
  6. Does each option meet issuer, rating and tenor limits after it is added?If not: reject it, explain the breach and propose the next-best option. Back to step 5.
  7. Rerank the compliant options by yield
  8. Does the plan leave enough cash for the forecast?If not: shorten the tenor or reduce the amount and recheck policy. Back to step 5.
  9. Treasurer approves each tradeThe agent waits here for your OK.
  10. Reinvestment plan and policy check record

How it decides

An option is eligible if it meets rating, tenor and issuer limits after adding it to the portfolio. Among eligible options it prefers the highest yield that does not leave a forecast shortfall.

  • Reject any option that takes one issuer above its limit
  • Require the minimum rating set in policy for each instrument
  • Keep a cash buffer for the next 30 days of forecast outflows
  • Prefer shorter tenor when yield difference is under 10 basis points

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Issuer, rating and tenor limits
  • Cash buffer days (default 30)
  • Look-ahead window (default 90 days)
  • Yield tie-break margin (default 10 basis points)

What keeps you in control

It always asks you first

  • Each investment trade

Hard limits

  • Never places a trade
  • Never exceeds a policy limit, even for higher yield

It stops when

  • Done: every maturity has an approved plan or a documented hold
  • Stop: cash forecast is out of date

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA $4 million deposit matured on June 12. The best yield was 4.9% at Bank D, but Bank D would reach 28% of the portfolio against a 25% limit, so the check failed. The agent moved $1 million to a 3-month Treasury bill and kept $3 million at Bank D. The forecast showed a $2.5 million payment on July 1, so it shortened one tenor. The treasurer approved.

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