Systems and methods for managing a financial investment fund

A system, including a processor associated with a financial institution, for funding the financial institution through a financial investment fund, the system comprising:

• a receiving component that receives fund data reflecting a plurality of individual funds corresponding to a plurality of investors;
• an aggregating component that aggregates the fund data into aggregated fund data reflecting an aggregated fund for investing into the financial investment fund;
• a first determining component that determines 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;
• a first configuring component that configures 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;
• a withdrawal determining component that determines 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;
• a second determining component that determines, based on the expected amount of nonanticipative withdrawals, a second portion of the financial investment fund for investing in a transaction account;
• and
• a second configuring component that configures 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.

A computer-readable medium on which is stored a set of instructions for funding a financial institution through a financial investment fund, which when executed perform a method comprising:

• receiving fund data reflecting a plurality of individual funds corresponding to a plurality of investors;
• aggregating the fund data into aggregated fund data reflecting an aggregated fund for investing in the financial investment fund;
• determining 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 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 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 based on the expected amount of nonanticipative withdrawals, a second portion of the financial investment fund for investing in a transaction account;
• and
• configuring 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.