An automated resource allocation and management system moves money between an invested fund and an uninvested fund, where the invested fund is typically invested in the stock market and the uninvested fund is typically held in an interest bearing account. In a preferred version, the system is implement by a plurality of software routines running on known data processing hardware. A deposit of money routine provides subroutines which primarily distinguish between whether the deposited money is regular in timing and amount, near in time to an expected transfer from the invested fund to the uninvested fund, near in time to an expected transfer from the uninvested fund to the invested fund, and which otherwise splits the deposit between the invested and uninvested accounts. A buy trigger routine compares the market's performance to a trigger value, and determines whether a transfer from the uninvested account to the invested account is warranted. Similarly, a sell trigger routine compares the market's performance to a trigger value, and determines whether a transfer from the invested account to the uninvested account is warranted.