Abstract: A fund is set up for a specified maximum of subscribers, who undertake to subscribe a specified amount, each of them by the same specified number of dates, the same amount for each subscriber and each date, the chains of dates possibly only partially overlapping so that the fund can continue to accept new subscribers from time to time. After each subscription date, the amount of the fund is put up for sale by bidding among the subscribers. Each bid comprises the amount that the subscriber is willing to forego in order to obtain the fund amount. The highest bid wins. The amount foregone is split equally between all the subscribers. The promoter takes a specified percentage to cover its commission and expenses. Each subscriber is allowed to win only a limited number of times, e.g. once. The process can be operated by data-handling means (10), as an investment and borrowing business method, or as a game.