What we can have is automated cashflow management system. If there is intelligence which can study my periodic cashflows to determine the periods within a month/quarter/year where I am predicted to have surplus, then the system should actively scout for opportunities to invest in.
The system should need the following inputs
- Buffer cash that should be mandatorily kept in my account
- Risk profile - where I want my money invested
Lets say I get my monthly income is 1 Lac and my monthly spend is 50K. If most of spending happens in a periodic manner with bumps in start and end of the month.
Then the system can invest lets say 30% of 50K in low risk instruments and the remaining balance - buffer as per the risk profile of the investor at the end of the month.
This is a form of dynamic investment which ensure the ebbs and flows of cashflow to the user doesn’t prevent from the user indulging in systemic investment which is optimisation