Data intelligence for independent professionals
Palm Vermogrove replaces manual spreadsheets and guesswork with a predictive model that reads market data continuously, so your capital keeps working while you focus on client work.
Begin the 60-second setupHow the setup works
Freelance income arrives in bursts. Palm Vermogrove was built to manage the gaps between those bursts, without asking you to become an analyst first.
You link an existing brokerage or bank feed once. The platform reads your current holdings, cash position, and transaction history to establish a baseline — this is the part that takes under a minute.
From there, the predictive model runs continuously in the background, comparing your portfolio against live market signals and adjusting recommendations as conditions change, without further input from you.
The engine, in three parts
Each pillar below runs on the same underlying data feed, but serves a distinct purpose: understanding your position, protecting it, and expanding it in proportion to what your finances can absorb.
Market data, sector movement, and your own cash-flow history are processed on a rolling basis rather than at fixed reporting intervals. This keeps the model's view of your position current, not a snapshot from last quarter.
Refresh cadence: real time, not periodicThe model treats income volatility as a risk input, not just market volatility. When your project pipeline thins, allocations shift toward capital preservation automatically, ahead of a cash shortfall rather than in reaction to one.
Adjusts for both market and income riskSuggested adjustments are sized to your actual liquidity, so a recommendation never assumes capital you don't have available. As income grows or contracts, the recommended scale grows or contracts with it.
Sized to available liquidity, not fixed tiersMethod and transparency
Palm Vermogrove favours explainable statistical methods over opaque black-box outputs, so every adjustment can be traced back to the data that produced it.
Market feeds, ASX-listed instrument data, and your linked account activity are pulled in and normalised into a common format.
A Bayesian inference process updates prior assumptions about risk and return as new data arrives, rather than recalculating from scratch each time.
The model produces a ranked set of adjustments, each annotated with the data points and confidence level behind it.
You approve, decline, or defer each recommendation. Nothing executes on your accounts without that step.
Signals are calibrated for the Australian market, including local index movement and the tax-effective growth structures commonly relevant to sole traders, rather than applying a generic global model unchanged.
Bayesian inference, in this context, means the model treats each new piece of market data as evidence that refines its previous estimate — it does not discard history each time conditions shift, which is part of why its recommendations tend to be gradual rather than reactive.
In practice
Project income is large but irregular, arriving in a handful of significant invoices per year with long gaps between them. The model detects this pattern from transaction history and sets a higher cash-reserve threshold before any growth-oriented allocation is recommended, so a slow quarter doesn't force an early withdrawal.
Income arrives more frequently but in smaller amounts, with a pipeline that rarely runs fully dry. Here the model can recommend a more consistent, incremental allocation schedule, since the risk of a sudden income gap is lower and reserve requirements can be set accordingly.
Questions worth answering directly
Data is encrypted in transit and at rest using industry-standard protocols. Read-only account connections are used wherever the broker or bank supports them, meaning Palm Vermogrove can view balances and transactions without holding authority to move funds.
The underlying model is retrained on a scheduled basis as new market and macroeconomic data becomes available, with additional retraining triggered if market conditions shift materially outside its usual operating range.
No. The setup connects to your existing brokerage or bank feed rather than replacing it. Palm Vermogrove reads your data to generate recommendations; any resulting trade or transfer is still carried out through your existing provider.
Declined recommendations are logged and factored into future suggestions, so the model learns your preferences over time rather than repeating an adjustment you've already ruled out.
No prior investing background is required. The initial connection takes under a minute; the first set of recommendations typically follows within the same session.
Begin the 60-second setup