Abstract: A provider computing system includes a processing circuit, a network interface structured to facilitate data communication via a network, and a database structured to store information associated with transactions and accounts held by an institution associated with the provider computing system. The processing circuit is structured to collect user data relating to a group of users, wherein the collected user data relates to a pooled investment vehicle having a number of investment products for generating income. The processing circuit is further structured to transform the collected data to a data format corresponding to a statistical analysis model, determine whether a critical mass threshold value is exceeded, apply the statistical analysis model to the transformed data for determining a recommended investment decision in response to determining that the critical mass threshold value is exceeded, and generate a user interface configured to provide information relating to the recommended investment decision.