Systems and methods for managing a financial investment fund

摘要

Providing a financial investment fund includes receiving a plurality of individual-funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds into an aggregated fund. Next, providing a financial investment fund includes purchasing a plurality of financial instruments from at least one financial institution with a first portion of the aggregated fund and placing a second portion of the aggregated fund in a transaction account. The financial investment fund may include at least the financial instruments and the transaction account. In addition, one of the at least one financial institution may use at least a portion of the first portion of the aggregated fund received in exchange for the plurality of financial instruments to perform a function of the financial institution.

主权项

1. A method, performed by a processor associated with a financial institution, for funding the financial institution through a financial investment fund, the method comprising:
receiving, by the processor, fund data reflecting a plurality of individual funds corresponding to a plurality of investors; aggregating, by the processor, the fund data into aggregated fund data reflecting an aggregated fund for investing in the financial investment fund; determining, by the processor, a first portion of the financial investment fund to invest in a plurality of certificates of deposit issued by the financial institution, wherein the plurality of certificates of deposit mature at varying maturity dates by laddering based on anticipated need for liquidity within the aggregated fund; configuring, by the processor, the first portion of the financial investment fund for payment of an anticipated need for liquidity by liquidating one or more of the plurality of certificates of deposit at respective maturity dates; determining, by the processor, an expected amount of nonanticipative withdrawals from the financial investment fund over a given amount of time based on investment needs and goals of the plurality of investors, the expected amount being set larger when the investment needs and goals are short term; determining, by the processor, based on the expected amount of nonanticipative withdrawals, a second portion of the financial investment fund for investing in a transaction account; and configuring, by the processor, the second portion of the financial investment fund to fund a nonanticipative withdrawal of an individual fund among the plurality of individual funds from the financial investment fund by a corresponding investor among the plurality of investors at any time regardless of maturity dates of any of the plurality of certificates of deposit in the first portion of the financial investment fund.