Method or system for investing and/or trading

A method of investing over a computer network that promotes long-term saving, comprising the steps of:

• providing a collective investment entity that offers shares of stock in the investment entity for sale to investors;
• receiving registration information from a plurality of investors via the computer network;
• receiving one or more requests via the computer network from the plurality of investors to purchase shares of stock in the collective investment entity;
• processing the received requests, using a processor, and purchasing shares of stock in the collective investment entity based on the processed requests, the shares of stock being subject to a qualifying period comprising a predetermined period of time;
• purchasing investment property, the investment property being managed by the collective investment entity;
• allocating one or more disbursement values;
• determining a number of eligible investors from among the plurality of investors, the investors being eligible by virtue of owning at least one eligible share of stock;
• and
• conducting one or more disbursement events, wherein the one or more disbursement values are disbursed to at least one eligible investor chosen in a lottery selection process from among the eligible investors;
• wherein an eligible share of stock comprises a share of stock that has remained under the ownership of a single investor for the at least the duration of the qualifying period;
• and
• wherein allocating one or more disbursement values comprises collecting an investment fee from the investors and allocating at least a portion of the fee as a disbursement value;
• whereby the investors earn returns on the investment property owned by the collective investment entity as the investment property increases or decreases in value separate from and in addition to any disbursement value distributed in the one or more disbursement events.