Method and System for Building an Investment Portfolio
First Claim
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1. A system for building a recommended investment portfolio, the system comprising:
- a memory configured to store a plurality of data structures, each data structure corresponding to a financial instrument product and being associated with (1) at least one of a plurality of financial instrument classifications and (2) at least one of a plurality of portfolio objectives, wherein the plurality of data structures are associated in the aggregate with a plurality of different financial instrument classifications and a plurality of different portfolio objectives;
a processor in communication with the memory, the processor configured to (1) determine a portfolio objective for an investor in response to user input, (2) interact with the memory by processing at least a plurality of the stored data structures based at least in part on their associations with the determined portfolio objective to determine a plurality of financial instrument products for recommendation for inclusion in the portfolio, the plurality of financial instrument products for recommendation corresponding to a plurality of financial instrument classifications, and (3) determine an investment amount for each determined financial instrument product for recommendation based at least in part on the determined portfolio objective.
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Abstract
Methods and systems are disclosed that enable the leveraging of financial instrument research at an individual financial instrument level but across multiple classifications of financial instruments to efficiently build an investment portfolio for an investor based on a desired portfolio objective through a plurality of graphical user interfaces (GUIs).
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Citations
24 Claims
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1. A system for building a recommended investment portfolio, the system comprising:
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a memory configured to store a plurality of data structures, each data structure corresponding to a financial instrument product and being associated with (1) at least one of a plurality of financial instrument classifications and (2) at least one of a plurality of portfolio objectives, wherein the plurality of data structures are associated in the aggregate with a plurality of different financial instrument classifications and a plurality of different portfolio objectives; a processor in communication with the memory, the processor configured to (1) determine a portfolio objective for an investor in response to user input, (2) interact with the memory by processing at least a plurality of the stored data structures based at least in part on their associations with the determined portfolio objective to determine a plurality of financial instrument products for recommendation for inclusion in the portfolio, the plurality of financial instrument products for recommendation corresponding to a plurality of financial instrument classifications, and (3) determine an investment amount for each determined financial instrument product for recommendation based at least in part on the determined portfolio objective. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computerized method comprising:
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creating an association in a database between data representative of a financial instrument product and data representative of at least one portfolio objective, the data representative of a financial instrument product further having an association with data representative of a financial instrument classification; repeating the creating step for financial instrument products of a plurality of different financial instrument classifications; receiving input from a computer that identifies a total investment amount and a portfolio objective for an investor; and interacting with the database to automatically determine an investment portfolio at an individual financial instrument product level based on the received input, wherein the portfolio comprises a plurality of financial instrument products that in the aggregate fall within a plurality of financial instrument classifications. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. A system for building a recommended investment portfolio, the system comprising:
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a memory configured to store a plurality of data structures, each data structure corresponding to a financial instrument product and being associated with at least one of a plurality of financial instrument classifications and with at least one of a plurality of portfolio objectives, wherein the memory is configured to store data structures for financial instrument products associated with a plurality of different financial instrument classifications and a plurality of different portfolio objectives; a server in communication with the memory, the server further in communication with at least one user computer over a network, the server configured to (1) receive an input from the at least one user computer corresponding to a portfolio objective for an investor, (2) provide a first graphical user interface (GUI) to the at least one user computer for display thereon, the first GUI configured to receive input from the user that comprises (i) a total investment amount for the portfolio, and (ii) a plurality of parameters for the portfolio with respect to investments in a plurality of different financial instrument classifications, (3) determine a recommended investment amount for each of a plurality of the different financial instrument classifications based on the received investment strategy input, the received total investment amount input and the received parameter input, (4) provide a second GUI to the at least one user computer for display thereon, the second GUI configured to display the determined recommended investment amounts for the different financial instrument classifications and permit the user to modify at least one of those recommended investment amounts, (5) determine a plurality of individual financial instrument products for inclusion in the recommended portfolio and an investment amount for each of those individual financial instrument products based on the received portfolio objective input, the received total investment amount input, the received parameter input, and any received modification input via the second GUI, (6) provide a third GUI to the at least one user computer for display thereon, the third GUI configured to (i) display each of the determined individual financial instrument products corresponding to a first financial instrument classification together with its determined investment amount, and (ii) permit the user to modify at least one recommended investment amount therefor, (7) provide a fourth GUI to the at least one user computer for display thereon, the fourth GUI configured to (i) display each of the determined individual financial instrument products corresponding to a second financial instrument classification together with its determined investment amount, and (ii) permit the user to modify at least one recommended investment amount therefor, and (8) provide a fifth GUI to the at least one user computer for display thereon, the fifth GUI configured to (i) display each of the determined individual financial instrument products corresponding to a third financial instrument classification together with its determined investment amount, and (ii) permit the user to modify at least one recommended investment amount therefor. - View Dependent Claims (20, 21, 22, 23)
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24. A method comprising:
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creating a database that associates a plurality of different financial instrument products with a plurality of different financial instrument classifications and a plurality of different portfolio objectives; receiving into a software application executed by a processor an identification of a portfolio objective for an investor; and leveraging the database through the executed software application to build a portfolio on behalf of the investor by automatically populating the portfolio with individual financial instrument products of a plurality of different financial instrument classifications for which data is stored in the database according to a plurality of rules defined at least in part by the received portfolio objective identification, the received portfolio objective identification corresponding to one of the portfolio objectives associated with financial instrument products in the database.
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Specification