Abstract: In an automated savings and investment system, a Service Provider negotiates agreements with each one of a plurality of parties defining terms under which funds can be transferred from the respective party to the Service Provider on behalf of a subscriber. The Service Provider defines enhanced services under which deposit amounts can be supplemented with additional funds. The Service Provider identifies, from among the plurality of parties, a set of parties with which a given subscriber has a financial relationship and enables the subscriber to subscribe to one or more of the agreements; identifies a set of permissible enhanced services to which the subscriber is permitted to subscribe, and enables the subscriber to select at least one of the permissible enhanced services. A server receives and accumulates deposit amounts in an account associated with the subscriber; and automatically invests accumulated deposit amounts in accordance with investment preferences of the subscriber.