Abstract: A system, software product and process for enabling automated investment of funds is disclosed. Using current and existing bank accounts, account holders can debit from or charge to these accounts during normal day-to-day transactions. The transaction amount may be rounded or incremented up to a preset multiple, such as the next dollar, five dollars or ten dollars up. The transaction amount may be rounded-up to a preset percentage. The amount of rounded-up dollars is automatically allocated for distribution to an investment account, while the transaction amount is transferred to the acquiring merchant. By using this service, the account holder automatically creates funds for distribution to an investment portfolio or savings account, without having to actively divert income. In addition, the account holder may choose to divert funds to other financial accounts for non-investment purposes.