1. A system for providing investment recommendations to individuals comprising: a data storage device for storing data from a plurality of worksheets, each worksheet being completed by an individual; a recommendation generating mechanism for substantially eliminating a conflict of interest between an investment recommendation provider and a fund manager; the recommendation generating mechanism comprising: (a) a processor for processing the data from each of respective individual worksheets to calculate a corresponding individual risk tolerance; (b) an asset allocation model adapted for being applied to at least two groups of investments, wherein each group of investments includes varying proportions of shares in a plurality of investments; the processor using the asset allocation model to correlate the calculated individual risk tolerance with a corresponding group of investments; and (c) an output mechanism, coupled to the processor, for generating a report recommending at least one of the at least two groups of investments as an appropriate investment for each individual; wherein the report sets forth a range of returns for at least one of the two groups of investments as a function of time.