Systems and methods for improving investment performance

A method for automatically increasing the funds deducted from the pay of a retirement investor, comprising the steps of:

• providing automatic enrollment of the retirement investor in a retirement plan;
• providing the retirement investor with the ability to opt out of the retirement plan;
• using a computer to automatically deduct funds from the pay of the retirement investor, and automatically placing those deducted funds in a corresponding investment vehicle associated with the retirement plan;
• using the computer to automatically increase the funds automatically deducted from the pay of the retirement investor, in response to a change in the age of the retirement investor;
• and
• providing the retirement investor with the ability to opt out of the automatic increase in the funds automatically deducted from the pay of the retirement investor.

A computer system for automatically increasing the funds deducted from the pay of a retirement investor, comprising:

• first computer software providing automatic enrollment of the retirement investor in a retirement plan, said first computer software providing the retirement investor with the ability to opt out of the retirement plan;
• second computer software automatically deducting funds from the pay of the retirement investor, and automatically placing those deducted funds in a corresponding investment vehicle associated with the retirement plan;
• and
• third computer software automatically increasing the funds deducted from the pay of the retirement investor, in response to a change in the age of the retirement investor, the third computer software providing the retirement investor with the ability to opt out of the automatic increase in the funds deducted from the pay of the retirement investor.

A computer-implemented system for automatically increasing the percentage of pay deducted from the retirement investor's pay, comprising:

• first computer software automatically enrolling the retirement investor in a retirement plan, said first computer software providing the retirement investor with the ability to opt out of the retirement plan;
• second computer software automatically deducting funds from the pay of the retirement investor and automatically placing those deducted funds in a corresponding investment vehicle associated with the retirement plan;
• and
• third computer software automatically increasing the percentage of pay deducted from the retirement investor's pay, in response to a change in the age of the retirement investor, the third computer software providing the retirement investor with the ability to opt out of the automatic increase in the percentage of pay deducted from the pay of the retirement investor.

A system for automatically increasing the percentage of pay deducted from the pay of the retirement investor providing financial services for a retirement investor, comprising the steps of:

• first processing structure configured for automatically enrolling the retirement investor in a retirement plan, said first processing structure being configured to provide the retirement investor with the ability to opt out of the retirement plan;
• second processing structure configured for automatically deducting funds from the pay of the retirement investor and automatically placing those deducted funds in a corresponding investment vehicle in associated with the retirement plan;
• and
• third processing structure configured for automatically increasing the percentage of pay deducted from the pay of the retirement investor, in response to a change of age status of the retirement investor, the third processing structure also configured to provide the retirement investor with the ability to opt out of the automatic increase in the percentage of pay deducted from the pay of the retirement investor.