METHOD, SYSTEM, AND PRODUCT FOR PROVIDING A GRAPHICAL AND INTERACTIVE FINANCIAL PLANNING TOOL
First Claim
1. A method in a data processing system for visually mapping segments of one axis of a two-dimensional coordinate with different processing assumptions, said method comprising the steps of:
- displaying said two-dimensional coordinate system having a first variable depicted along a first axis and a second variable depicted along a second axis;
dividing said first axis into a plurality of segments;
specifying a different plurality of assumptions for each one of said plurality of segments;
calculating a value of each one of said plurality of segments utilizing said different plurality of assumptions specified for said each one of said plurality of segments;
generating a graph utilizing said two-dimensional coordinate system that depicts a value of each one of said plurality of segments; and
graphically depicting said graph utilizing a graphical user interface.
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Abstract
A system, method, and product are disclosed in a data processing system for providing a financial planning tool. A two-dimensional coordinate system having time depicted along a first axis and value depicted along a second axis is displayed. The first axis is divided into multiple time periods. A different investment plan is specified for each time period by specifying assumptions and a percentage allocation. Assumptions are specified regarding projected growth and anticipated contribution for each type of investment. A percentage allocation is specified of all investments to be held among each type of investment. An investment graph is generated, utilizing the coordinate system, that depicts a total value of all investments held as well as a change over time of the total value during each time period. The investment graph is graphically depicted utilizing a graphical user interface in order to provide a financial planning tool.
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Citations
44 Claims
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1. A method in a data processing system for visually mapping segments of one axis of a two-dimensional coordinate with different processing assumptions, said method comprising the steps of:
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displaying said two-dimensional coordinate system having a first variable depicted along a first axis and a second variable depicted along a second axis; dividing said first axis into a plurality of segments; specifying a different plurality of assumptions for each one of said plurality of segments; calculating a value of each one of said plurality of segments utilizing said different plurality of assumptions specified for said each one of said plurality of segments; generating a graph utilizing said two-dimensional coordinate system that depicts a value of each one of said plurality of segments; and graphically depicting said graph utilizing a graphical user interface. - View Dependent Claims (2)
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3. A method in a data processing system for providing a financial planning tool, said method comprising the steps of:
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displaying a two-dimensional coordinate system having time depicted along a first axis and value depicted along a second axis; dividing said first axis into a plurality of time periods; specifying a different investment plan for each one of said plurality of time periods, said step of specifying further including the steps of; for each one of said plurality of time periods; specifying assumptions that affect a change in total investment value for each one of said plurality of time periods; and specifying a percentage allocation of all investments to be held during each one of said plurality of time periods among each type of a plurality of types of investments; generating an investment graph utilizing said two-dimensional coordinate system that depicts a total value of all investments held and a change over time of said total value during each one of said plurality of time periods; and graphically depicting said investment graph utilizing a graphical user interface, said graphical depiction being utilized as a financial planning tool. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer program product in a data processing system for providing a financial planning tool, said product comprising:
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instruction means for displaying a two-dimensional coordinate system having time depicted along a first axis and value depicted along a second axis; instruction means for dividing said first axis into a plurality of time periods; instruction means for specifying a different investment plan for each one of said plurality of time periods, said step of specifying further including the steps of; for each one of said plurality of time periods; instruction means for specifying assumptions that affect a change in total investment value for each one of said plurality of time periods; and instruction means for specifying a percentage allocation of all investments to be held during each one of said plurality of time periods among each type of a plurality of types of investments; instruction means for generating an investment graph utilizing said two-dimensional coordinate system that depicts a total value of all investments held and a change over time of said total value during each one of said plurality of time periods; and instruction means for graphically depicting said investment graph utilizing a graphical user interface, said graphical depiction being utilized as a financial planning tool. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A data processing system for providing a financial planning tool, said system comprising:
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a two-dimensional coordinate system having time depicted along a first axis and value depicted along a second axis; said first axis being divided into a plurality of time periods; a different investment plan being specified for each one of said plurality of time periods, said step of specifying further including the steps of; for each one of said plurality of time periods; assumptions that affect a change in total investment value specified for each one of said plurality of time periods; and a percentage allocation of all investments to be held during each one of said plurality of time periods specified among each type of a plurality of types of investments; an investment graph being generated utilizing said two-dimensional coordinate system that depicts a total value of all investments held and a change over time of said total value during each one of said plurality of time periods; and a graphical user interface for graphically depicting said investment graph, said graphical depiction being utilized as a financial planning tool. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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Specification