the goals are create, however I would suggest that all of the goals have an option to select an open investment/deposit account for the monthly saving / funds to be transferred too. And that the investment/deposit account which is linked to our accounts or portfolio be able to have "sub-funds/sub-balances" which are linked to the goals. For example total balance in the deposit account is 50,000. Which is sub divided to my holiday goal of 20,000 balance, my unexpected events saving portion of 10,000 and the another 20,000 is my studying goal balance. And disclose this sub divid under accounts so that all goals can earn more interest on a larger deposit balance but I am constantly aware of my holiday budget so that I don't overspend and effect my studying savings.