Guaranteed principal investment system, product and method

• US 20080281761A1
• Filed: 05/10/2007
• Published: 11/13/2008
• Est. Priority Date: 05/10/2007
• Status: Active Grant

• Current Assignee: Cornerstone Capital Systems
• Original Assignee: Cornerstone Capital Systems
• Inventors: Egan, George
• Granted Patent: US 7,769,664 B2
• Time in Patent Office: Days
• US Class Current: 705/36.R
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

An investment system comprising at least one equity profile comprising one or more non-guaranteed investment instruments and at least one target-risk profile, wherein the target-risk profile and the investment equity profile provide a return on an initial investment amount, said return comprising at least a predetermined sum certain principal amount

Claims

1. An investment system comprising:

A plurality of combination investment portfolio products,

A plurality of target risk profiles,

at least one non-guaranteed investment portion per investment portfolio product; and

at least one guaranteed investment portion per combination investment portfolio product wherein said guaranteed and non-guaranteed investment portions equal a fixed allocation combination investment portfolio product.

2. The combination investment portfolio products of claim 1 wherein a non-guaranteed investment portion is coupled with a guaranteed principal investment portion to provide a return on an initial investment amount, said return comprising at least a predetermined sum certain principal amount.

3. The investment system of claim 1, further comprising:

A plurality of target risk profiles coupled with the combination investment portfolio product comprising said investment portfolio products and a guaranteed principal investment portion coupled with a non-guaranteed investment portion to provide a return on an initial investment amount, said return comprising at least a predetermined sum certain principal amount.

4. The combination investment portfolio product of claim 1 further comprising:

At least one non-guaranteed principal investment portion; and

At least one guaranteed principal investment portion, wherein the guaranteed principal investment portion coupled with the non-guaranteed principal investment portion provide an enhanced market return on an initial investment amount, said return comprising at least a predetermined sum certain principal amount.

5. The investment system of claim 1, further comprising:

A plurality of investment portfolio products, a plurality of target risk profiles, a plurality of said combination investment portfolio products coupled with said target risk profiles wherein the investment system equals a fixed portfolio to provide ease of investment selection.

6. The investment system of claim 1 wherein the guaranteed investment portion comprises one or more annuities.

7. The investment system of claim 2 wherein the non-guaranteed investment portion includes at least one equity-indexed annuity.

8. The investment system of claim 1 wherein the non-guaranteed investment portion comprises one or more of the following:

a mutual fund, an exchange traded fund, an individual stock, a commodity or a stock option.

9. The investment system of claim 1 further comprising:

one or more investor selected total investment amounts;

one or more investor selected percentages of guaranteed principal; and

one or more investor selected guaranteed principal annuities.

10. The investment system of claim 1 wherein the guaranteed sum certain principal is greater than zero and less than the initial investment.

12. The method of claim 7 wherein the non-guaranteed investment comprises one or more of the following:

a mutual fund, an exchange traded fund, an individual stock, a commodity or a stock option.

14. The method of claim 9 wherein displaying the investor profile comprises displaying a graph or chart on an electronic video display.

15. The method of claim 9 wherein the sum certain principal investment comprises one or more annuities.

16. The method of claim 9 wherein the non-guaranteed principal investment comprises of one or more of the following:

a mutual fund, an exchange traded fund, an individual stock, a commodity or a stock option.

19. The system of claim 15 wherein the processor is connected to a computer network.

20. The system of claim 15 wherein the input/output module comprises one or more of the following:

a computer monitor, a PDA or a wireless communications device.

21. The system of claim 15 wherein the user interface is an Internet browser.

22. The system of claim 15 wherein the input/output module further displays one or more of the following:

an investment portfolio, an equity security, an equity index annuity fund, and a non-guaranteed portion.

23. The system of claim 15 wherein the input/output module further displays a current principal amount in excess of the guaranteed principal amount, a current investment amount, and a current rate of return interest rate.

24. The system of claim 15 further comprising:

a reset code module for providing a reset function such that the processor calculates a time based investment performance for displaying on the input/output module.

25. The system of claim 21 wherein the reset code module controls one or more of the following:

the guaranteed principal amount, the guaranteed investment, the non-guaranteed investment or a payout period wherein the user changes the parameters of the system.

11. A method of providing an investment portfolio comprising the following steps in any order:

selecting at least one non-guaranteed investment;

selecting at least one guaranteed investment;

selecting a degree of investment risk; and

selecting a guaranteed sum certain principal percentage,

wherein the investment portfolio provides a market rate of return amount and a sum certain principal amount, said sum certain principal amount being less than an initial investment amount.

13. The method of selecting an investment portfolio of claim 11, further comprising the following steps in any order:

determining a percentage guarantee based on a guaranteed principal portion of a total investment amount;

relating the percentage guarantee to a degree of risk;

determining an investor risk profile based on the degree of risk and the guaranteed principal;

displaying the investor profile;

selecting one or more sum certain guaranteed principal investment portions correlating to the investor profile; and

selecting one or more non-guaranteed investment portions based on the investor profile,

wherein the investment portfolio returns an amount based on the degree of risk said amount comprising a first portion of a sum certain guaranteed principal and a second portion of a non-guaranteed investment return.

18. The method of claim 13 wherein the non-guaranteed investment comprises one or more of the following:

a mutual fund, an exchange traded fund, an individual stock, a commodity or a stock option.

17. One or more processor readable storage devices having processor readable code embodied on said processor readable storage devices, said processor readable code for programming one or more processors to perform a method of providing an investment portfolio comprising:

selecting at least one non-guaranteed investment;

selecting at least one sum certain guaranteed principal initial investment amount;

selecting a degree of investment risk; and

selecting a guaranteed sum certain principal percentage,

selecting at least one initial investment amount;

providing a market rate of return amount; and

providing a sum certain principal return amount, said sum certain principal return amount being less than the total initial investment amount.