A data processing system is disclosed which manages, monitors and reports the growth of a participant's investment base with respect to progress towards achieving a predetermined target amount selected by the participant. Additionally, the data processing system monitors and controls a wide variety of financial services which are provided to the participant such as check writing and borrowing privileges as well as insurance benefits. The growth of a participant's initial as may be supplemented by monthly investments is tracked and interpreted based on criteria and projections which are periodically made and which reflect how well the account is progressing towards achieving the target amount. In this regard, the time frame that it will take for the account to reach the target amount at the current account growth rate is projected at periodic intervals, e.g., monthly. The impact on such a time frame of accentuated payments, e.g., increased monthly payments or modified cycle payments (i.e., payments made at intervals of greater than once a month), is also reported to participants. The data processing system is programmed to track actual growth realized by the account against a predetermined guaranteed minimum rate return on a participants' investment base.

A data processing system is disclosed which monitors client's business orders over time and based upon predetermined criteria determines the client's vested interest in funds deposited into special client accounts. The business order data is stored in uniquely formatted client account files. In addition, a vesting account file stores summary data encompassing all the client files. The data processing system updates and keeps track of client's vesting rights which are subject to change over time. The data processing system's ability to track these and many other conditions is enhanced by a unique set of control status words which control software flow and which are utilized to visually flag important statuses.