Asset allocation, rebalancing, and investment management system
First Claim
1. A computer implemented or enabled automated asset allocation management system for delivering and managing investment services to multiple investors, wherein said system comprises:
- a. an asset allocation model matrix comprising;
i. at least one asset allocation model which is prepackaged or user defined, wherein each said asset allocation model comprises at least two investment vehicles having allocated portions, wherein said allocated portions total one-hundred percent, ii. at least two asset allocation model groups, wherein each of said asset allocation model groups comprises at least two or more of each said asset allocation model and wherein each of said asset allocation model groups spans a unique time horizon which consists of a period of time until an investment end goal date, iii. at least one asset allocation model set comprising at least two of said asset allocation model groups, wherein said asset allocation model set comprises an investment portfolio of at least one investor; and
b. a data manager for managing said matrix which comprises;
i. creating each said asset allocation model for said asset allocation model set where said asset allocation model and said asset allocation model set is user defined, ii. storing said asset allocation model set, iii. linking at least one said asset allocation model set to at least one investor account with a database iv. retrieving said asset allocation model from said asset allocation model set for a unique time horizon for at least one investor where said asset allocation model is user defined or prepackaged, and v. changing said asset allocation model from said time horizon to a subsequent time horizon for at least one investor upon reaching said goal date.
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Abstract
A computer implemented or enabled method for providing advisors and/or investment management firms with an asset allocation model manager for advising individual investors. This method enables investment management firms to globally define allocation model sets for use firm-wide by their advisors. It may also provide advisors with a customization process for tailoring these global allocation models to their own client investors. The asset allocation models are tailored to the investment suitability and risk tolerance needs of the investor clients. One object of this invention is to assist advisors and investment management firms in targeting a broad spectrum of investors of virtually all income levels. Transactional fees associated with investing, including transfer agency fees and advisor fees, are greatly minimized as a result of this automated, mass customization tool which groups investors into discrete categories so as to provide them with optimum asset management. As a result of this low cost, less hassle method, advisors and/or investment management firms may advise a broader range of individual investors than otherwise. In one embodiment, the disclosed asset allocation model management system operates as a kernel. However, a plug and play system may be incorporated. In a further embodiments, an ACH system, trading system, record keeping system, and/or communication interface(s) (such as advisor-client investor) may utilized in conjunction with this central kernel. An investor interface is also disclosed. The investor can set up an investment account, monitor investment transactions, self-direct investments or communicate with an advisor to facilitate certain investment transactions.
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Citations
28 Claims
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1. A computer implemented or enabled automated asset allocation management system for delivering and managing investment services to multiple investors, wherein said system comprises:
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a. an asset allocation model matrix comprising;
i. at least one asset allocation model which is prepackaged or user defined, wherein each said asset allocation model comprises at least two investment vehicles having allocated portions, wherein said allocated portions total one-hundred percent, ii. at least two asset allocation model groups, wherein each of said asset allocation model groups comprises at least two or more of each said asset allocation model and wherein each of said asset allocation model groups spans a unique time horizon which consists of a period of time until an investment end goal date, iii. at least one asset allocation model set comprising at least two of said asset allocation model groups, wherein said asset allocation model set comprises an investment portfolio of at least one investor; and
b. a data manager for managing said matrix which comprises;
i. creating each said asset allocation model for said asset allocation model set where said asset allocation model and said asset allocation model set is user defined, ii. storing said asset allocation model set, iii. linking at least one said asset allocation model set to at least one investor account with a database iv. retrieving said asset allocation model from said asset allocation model set for a unique time horizon for at least one investor where said asset allocation model is user defined or prepackaged, and v. changing said asset allocation model from said time horizon to a subsequent time horizon for at least one investor upon reaching said goal date. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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28. A computer implemented or enabled automated asset allocation management system for delivering and managing investment services to multiple investors through a user interface, wherein said interface comprises:
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a. an asset allocation model matrix comprising;
i. at least one asset allocation model which is prepackaged or user defined, wherein each said asset allocation model comprises at least two investment vehicles having allocated portions, wherein said allocated portions total one-hundred percent, ii. at least two asset allocation model groups, wherein each of said asset allocation model groups comprises at least two or more of each said asset allocation model and wherein each of said asset allocation model groups spans a unique time horizon which consists of number of years remaining until an investment end goal date, iii. at least one asset allocation model set comprising at least two of said asset allocation model groups, wherein said asset allocation model set comprises an investment portfolio of at least one investor. b. a data manager for managing said matrix which comprises;
i. creating each of said asset allocation model for said asset allocation model set where said asset allocation model and said asset allocation model set is user defined, ii. storing said asset allocation model set, iii. linking at least one said asset allocation model set to at least one investor account with a database iv. retrieving said asset allocation model from said asset allocation model set for a unique time horizon for at least one investor where said asset allocation model is user defined or prepackaged, and v. changing said asset allocation model from a prior time horizon to a subsequent time horizon for at least one investor upon expiration of said prior time horizon. c. an allocator for allocating investor assets of an investor to apportion said assets to equal weights in said asset allocation model. d. a rebalancing tool for rebalancing assets where an investor purchases or redeems assets from an investment account, wherein said assets equal said weights in said asset allocation model. e. a graphic user interface for displaying to an investor pending and completed investment transactions, said graphic user interface comprises;
i. a user control for canceling one or more of said pending investment transactions, ii. a user control for submitting and/or modifying electronic fund transfer source information, and iii. an e-commerce component for online shopping with at least one of said designated merchants.
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Specification