IMPROVED INVESTMENT AND ACCOUNT MANAGEMENT SYSTEM

摘要

A method and computer system manages an investment and spending account, so as to achieve selected guidelines for investment returns and spending flexibility. A computer system (100), having a memory (101) for recording account information (110) and a processor (102) for processing account data and transactions associated with the account, implements a combined investment and spending account, by which an account holder achieves a selected investment return and a selected degree of spending flexibility. The computer system monitors inflows to and outflows from the account, and investment returns achieved for the account, and indicates when adjustments to the account are required to achieve the selected investment guidelines while presenting the account holder with the selected spending flexibility.