Abstract: Methods, apparatus, and computer program products for transactions are provided. In one implementation, a transaction system is provided. The transaction system includes a share allocation engine that allocates for each eligible transaction a portion of a share fee in the form of shares to one or more levels of shareholders. The transaction system also includes a dividend distribution engine that is operable to accumulate dividends on shares and a qualifying event detector. The qualifying event detector is operable to determine if a qualifying event has occurred and if a qualifying event has occurred, allow the redemption of shares in a subsequent transaction.