Real-time client portfolio management system
First Claim
1. A method of automating the management of investment portfolios comprising:
- a software program that facilitates the creation of an asset allocation for one or more accounts;
creation of one or more portfolio templates that can then be used to create customized portfolios for each client;
a portfolio template for individual securities and allocation percentages assigned to them;
the use of a prediction value for the expected growth rate of various markets;
assignment of risk variables to each real investment;
creation of a target portfolio and an actual portfolio;
computation of an expected growth rate for each real investment, said target portfolio, and actual portfolio, with respect to the said risk variables;
upon sale of a real investment in the actual portfolio, the proceeds are moved into a cash or a money market;
once there is excess cash available within an account, the system compares the target portfolio to the actual portfolio to determine which securities should be purchased, producing a target buy list.
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Abstract
The Portfolio Management System of the present invention is a sophisticated means of automating the management of client'"'"'s investment portfolios. The Portfolio Management System of present invention creates a system that sets a plurality of floor levels with variable liquidation percentages. Additionally, a plurality of dynamic proportional stop loss settings that may have variable liquidation percentages may be incorporated. The combination of these creates a preferred embodiment of the present invention that is effective at protecting an investor'"'"'s principle and allowing it to grow. The Portfolio Management System of the present invention may be comprised of several distinct modules in a variety of configurations. The overall system provides for the use of financial planning and time value of money calculations to determine the growth rate needed for a client. The client can then decide that they want a higher or lower rate. The client'"'"'s target growth rate (TGR) is then used to develop a target asset allocation designed to achieve the client'"'"'s TGR. A buy and/or sell risk tolerance is also assigned at the security, account and/or client level. The system then continuously monitors any existing investments, the balances of the accounts, and the variance between the actual and target portfolios and generates buy or sell alerts based on market movements.
14 Citations
16 Claims
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1. A method of automating the management of investment portfolios comprising:
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a software program that facilitates the creation of an asset allocation for one or more accounts;
creation of one or more portfolio templates that can then be used to create customized portfolios for each client;
a portfolio template for individual securities and allocation percentages assigned to them;
the use of a prediction value for the expected growth rate of various markets;
assignment of risk variables to each real investment;
creation of a target portfolio and an actual portfolio;
computation of an expected growth rate for each real investment, said target portfolio, and actual portfolio, with respect to the said risk variables;
upon sale of a real investment in the actual portfolio, the proceeds are moved into a cash or a money market;
once there is excess cash available within an account, the system compares the target portfolio to the actual portfolio to determine which securities should be purchased, producing a target buy list. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method of automating the management of investment portfolios comprising:
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two or more actual client portfolios;
each said actual client portfolios containing one or more actual securities;
each of said actual client portfolios assigned a desired target portfolio with respect to desired securities and percentages;
each of said actual client portfolios having a pre-defined strategy for buy and selling security to transition for the actual client portfolio security distribution to a desired target portfolio;
each said actual securities and desired securities assigned a tolerance which if breached provides an alert wherein an automated buy or sell can be performed with respect to said pre-defined strategy. - View Dependent Claims (13, 14, 15, 16)
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Specification