42 Software as a service (SAAS) services featuring software for automated portfolio management, transfer and investment of funds, recommending funds, portfolio allocation and optimization, portfolio rebalancing, cash management, and for creating reports in connection therewith; Platform as a service (PAAS) featuring computer software platforms for automated portfolio management, transfer and investment of funds, recommending funds, portfolio optimization and allocation, portfolio rebalancing, cash management, and for creating reports in connection therewith; Providing temporary use of on-line non-downloadable software and applications for automated portfolio management, transfer and investment of funds, recommending funds, portfolio allocation and optimization, portfolio rebalancing, cash management, and for creating reports in connection therewith; Providing a website featuring non-downloadable software for automated portfolio management, transfer and investment of funds, recommending funds, portfolio allocation and optimization, portfolio rebalancing, cash management, and for creating reports in connection therewith