Investments & Debt: Priorities & Context¶
Date: 2026-02-17 Domain: Investments & Debt
Priority Ranking¶
Investments and debt have distinct customer profiles. Investment tracking is validated and in-progress. Debt management is deep but single-source (Avramar).
Top Priority (Confirmed — in progress)¶
1. See total liquidity position including invested cash alongside operational cash - Sources: ON, Personio, Palm Internal (Confirmed) - Current status: Partial — UI shipped, investment forecasts integrated into Forecast Overview. Remaining: no dedicated investments page. - Why it matters: Customers see operational cash in Palm but investments live in spreadsheets. ON: "It's really good to have in a unique view all the different levels of cash." This is the #1 roadmap item. - On roadmap: Total liquidity visibility
2. Make informed investment decisions with confidence about cash availability - Sources: Personio (2 sessions), Palm Internal (Confirmed) - Current status: Partial — visibility exists but forecast integration needed for full confidence - Why it matters: Personio: "Taking those decisions from guesswork and overly conservative decisions to actually making more informed decisions with comfort and confidence." Forward visibility enables longer investment horizons → better returns.
3. Track investments (term deposits) and manage maturities/rollovers - Sources: Personio, ON (Confirmed) - Current status: Partial — basic tracking works but credit rating monitoring missing - Why it matters: ON: "This tracking is a huge pain actually. I never had a great tool for this." Manual Google Sheets with calendar reminders for maturities. High risk of forgetting a rollover date.
Emerging — Needs Validation¶
| # | Potential Job | Source | Key Question |
|---|---|---|---|
| 4 | Monitor counterparty credit ratings | Personio | How many customers have investment policies requiring this? |
| 5 | Auto-generate investment forecast impacts from instrument terms | Palm Internal | Does this need validated by customers? |
| 6 | View investment positions at entity vs global level | Palm Internal | How does this interact with access control? |
| 7 | Generate accurate debt position reports | Avramar | Is this a common need or Avramar-specific? |
| 8 | Track securities/collateral across loan structures | Avramar | Enterprise-only? How big is the market? |
| 9 | Calculate debt accruals with floating rates | Avramar | Same as above — deep but narrow signal |
| 10 | Manage Treasury policy compliance | Personio | Overlap with scenario modelling domain? |
The Pattern: Two Streams¶
Stream 1: Investment Visibility (jobs 1–3)¶
Validated by multiple customers. In progress. The path is clear: one view showing operational cash + investments + maturities → better investment decisions.
Stream 2: Debt Management (jobs 7–9)¶
Deep signal from Avramar (expert interview). Complex loan structures, floating rates, securities tracking. Needs validation from other customers before investment.
Next Steps¶
- Complete total liquidity view (#1) — dedicated investments page
- Validate debt management demand — is Avramar representative or an outlier?
- Investment-forecast integration (#5) — investments as "cash flow emitting machines" is compelling but needs customer validation