(defvar electrify-return-match
  "[\]}\)\"]"
  "If this regexp matches the text after the cursor, do an \"electric\"
  return.")
(defun electrify-return-if-match (arg)
  "If the text after the cursor matches `electrify-return-match' then
  open and indent an empty line between the cursor and the text.  Move the
  cursor to the new line."
  (interactive "P")
  (let ((case-fold-search nil))
    (if (looking-at electrify-return-match)
        (save-excursion (newline-and-indent)))
    (newline arg)
    (indent-according-to-mode)))
;; Using local-set-key in a mode-hook is a better idea.
;(global-set-key (kbd "RET") 'electrify-return-if-match)