Patent ID: 7761376

Claim:
A method for providing funding of and access to an investment vehicle, comprising the steps of: establishing an investment vehicle; monetizing said investment vehicle by depositing funds therein by a plurality of cash management investors; paying a subscription fee to a management entity by an employer; receiving a request for said funds by an employee of said employer via an internet interface, wherein said employee and a credit union organized by employees of said subscribing employer, of which said employee is a member, being independent from said plurality of cash management investors in said investment vehicle distributing said funds from said investment vehicle to a financial institution via said management entity upon direction of said management entity in response to said employee's request; transferring said funds from said financial institution to said employee via said employer; utilizing said funds for a predetermined economic activity by said employee; remitting said funds to said financial institution from said employee's subsequent earnings via an electronic payroll of said employer system; redepositing said funds, remitted to said financial institution, into said investment vehicle via said management entity; and wherein the basis for the investment vehicle is the value of an employee's continuing employment with said employer.