System, Method, and Computer Program Product for Allocating Assets Among a Plurality of Investments to Guarantee a Predetermined Value at the End of a Predetermined Period
4 Assignments
0 Petitions
Accused Products
Abstract
A system, method, and computer program product for allocating assets among a plurality of investments to guarantee a predetermined value at the end of a predetermined time period. A computer program controls the allocation of assets in the investment vehicle, which allows the investor to initially invest one hundred percent of the initial deposit in non-secure, high risk investments. At the end of the each trading day, the computer program determines if assets should be reallocated from the non-secure investments to the secure investments, from the secure investments to the non-secure investments, or if no reallocation is necessary.
107 Citations
77 Claims
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1-43. -43. (canceled)
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44. A computer system for managing an investment by allocating assets between a plurality of investment accounts, the investment having a guaranteed value at the end of a predetermined time period to provide a guaranteed income, the investment accounts including a secure account and a variable account, the secure account providing a minimum rate of return over the predetermined time period, said system comprising:
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means for determining if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by a predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; means for computing the value of assets to be reallocated from the variable account to the secure account if the value of the investment would not accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by said predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; and means for producing an output including information of assets to be reallocated to the secure account. - View Dependent Claims (47, 50, 51, 53)
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49. A computer system for managing an investment by allocating assets between a plurality of investment accounts, the investment having a guaranteed value at the end of a predetermined time period to provide a guaranteed income, the investment accounts including a secure account and a variable account, the secure account providing a minimum rate of return over the predetermined time period, said system comprising:
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means for determining if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by a predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; means for computing the value of assets to be reallocated from the secure account to the variable account if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by said predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; and means for producing an output including information of assets to be reallocated to the variable account. - View Dependent Claims (45, 46, 48, 52)
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54. A computer program embodied on one or more tangible computer readable media for allocating assets between investment accounts of an investment, the investment having a guaranteed value at the end of a predetermined time period to provide a guaranteed income, the investment accounts including a secure account and a variable account, the secure account providing a minimum guaranteed rate of return, the variable account including at least one investment, the computer program comprising:
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a computer code segment which, when executed by a computer system, computes a depreciated variable account value, said depreciated variable account value being the value of the variable account at which the value of the investment would accumulate to the guaranteed value at the end of the predetermined time period if said depreciated variable account value was invested at the minimum guaranteed rate of return for the remainder of the predetermined time period; a computer code segment which, when executed by a computer system, determines if said depreciated variable account value is less than a first value; a computer code segment which, when executed by a computer system, computes a secure account reallocation value in response to said depreciated variable account value being less than said first value, said secure account reallocation value being the value of assets to be reallocated from the variable account to the secure account so that said depreciated variable account value equals a second value; and a computer code segment which, when executed by a computer system, produces an output based on said secure account reallocation value. - View Dependent Claims (55, 56, 57, 58, 59)
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60. A computer program embodied on one or more tangible computer readable media for allocating assets between investment accounts of an investment, the investment having a guaranteed value at the end of a predetermined time period to provide a guaranteed income, the investment accounts including a secure account and a variable account, the secure account providing a minimum guaranteed rate of return, the variable account including at least one investment, the computer program comprising:
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a computer code segment which, when executed by a computer system, computes a depreciated variable account value, said depreciated variable account value being the value of the variable account at which the value of the investment would accumulate to the guaranteed value at the end of the predetermined time period if said depreciated variable account value was invested at the minimum guaranteed rate of return for the remainder of the predetermined time period; a computer code segment which, when executed by a computer system, determines if said depreciated variable account value is greater than a first value; a computer code segment which, when executed by a computer system, computes a variable account reallocation value in response to said depreciated variable account value being greater than said first value, said variable account reallocation value being the value of assets to be reallocated from the secure account to the variable account so that said depreciated variable account value equals a second value; and a computer code segment which, when executed by a computer system, produces an output based on said secure account reallocation value. - View Dependent Claims (61, 62, 63, 64, 65)
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66. A computer program embodied on one or more tangible computer readable media for allocating assets between investment accounts of an investment, the investment having a guaranteed value at the end of a predetermined time period greater than or equal to an initial value of the investment to provide a guaranteed income, the investment accounts including a secure account and a variable account, the secure account providing a minimum guaranteed rate of return, the variable account including at least one investment, the computer program comprising:
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a computer code segment which, when executed by a computer system, computes a depreciated variable account value, said depreciated variable account value being the value of the variable account at which the value of the investment would accumulate to the guaranteed value at the end of the predetermined time period if said depreciated variable account value was invested at the minimum guaranteed rate of return for the remainder of the predetermined time period; a computer code segment which, when executed by a computer system, determines if said depreciated variable account value is less than a first value; a computer code segment which, when executed by a computer system, computes a secure account reallocation value in response to said depreciated variable account value being less than said first value, said secure account reallocation value being the value of assets to be reallocated from the variable account to the secure account so that said depreciated variable account value equals a second value; and a computer code segment which, when executed by a computer system, produces an output based on said secure account reallocation value. - View Dependent Claims (67, 68, 69, 70, 71)
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72. A computer program embodied on one or more tangible computer readable media for allocating assets between investment accounts of an investment, the investment having a guaranteed value at the end of a predetermined time period greater than an initial value of the investment to provide a guaranteed income, the investment accounts including a secure account and a variable account, the secure account providing a minimum guaranteed rate of return, the variable account including at least one investment, the computer program comprising:
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a computer code segment which, when executed by a computer system, computes a depreciated variable account value, said depreciated variable account value being the value of the variable account at which the value of the investment would accumulate to the guaranteed value at the end of the predetermined time period if said depreciated variable account value was invested at the minimum guaranteed rate of return for the remainder of the predetermined time period; a computer code segment which, when executed by a computer system, determines if said depreciated variable account value is greater than a first value; a computer code segment which, when executed by a computer system, computes a variable account reallocation value in response to said depreciated variable account value being greater than said first value, said variable account reallocation value being the value of assets to be reallocated from the secure account to the variable account so that said depreciated variable account value equals a second value; and a computer code segment which, when executed by a computer system, produces an output based on said secure account reallocation value. - View Dependent Claims (73, 74, 75, 76, 77)
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Specification