METHODS AND APPARATUS FOR PERFORMING AN ANALYSIS OF SUSTAINABILITY OF A RETIREMENT INVESTMENT PORTFOLIO
First Claim
1. A computer-implemented method for performing an analysis of sustainability of an investment portfolio to support a retirement income need for a client and displaying a result of the analysis, the method comprising the steps of:
- (a) providing, by a processor of a computing device, a graphical user interface configured to accept client-specific input;
(b) determining, by the processor, a retirement income sustainability score corresponding to the client-specific input, wherein the retirement income sustainability score is a measure of sustainability of the investment portfolio to support the retirement income need for the client;
(c) displaying, by the processor, the retirement income sustainability score corresponding to the client-specific input via the graphical user interface;
(d) determining, by the processor, a first product allocation associated with the client-specific input;
(e) displaying, by the processor, the first product allocation determined in step (d);
(f) providing, by the processor, one or more graphical user interface widgets that allow adjustment of the first product allocation to a second product allocation;
(g) determining, by the processor, an updated retirement income sustainability score corresponding to the second product allocation following step (f); and
(h) displaying the updated retirement income sustainability score determined in step (g).
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Abstract
Described herein are methods and apparatus for performing an interactive, computer-implemented analysis of the sustainability of an investment portfolio to support a retirement income need for a client. In certain embodiments, the technology determines an optimum allocation of an investment portfolio in accordance with client goals, conveys a measure of the sustainability of the investment portfolio to provide sufficient income over the length of the client'"'"'s retirement, allows adjustment of the portfolio by the client, determines a revised measure of sustainability, and provides information about the potential financial legacy that will be left to the client'"'"'s heirs.
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Citations
57 Claims
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1. A computer-implemented method for performing an analysis of sustainability of an investment portfolio to support a retirement income need for a client and displaying a result of the analysis, the method comprising the steps of:
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(a) providing, by a processor of a computing device, a graphical user interface configured to accept client-specific input; (b) determining, by the processor, a retirement income sustainability score corresponding to the client-specific input, wherein the retirement income sustainability score is a measure of sustainability of the investment portfolio to support the retirement income need for the client; (c) displaying, by the processor, the retirement income sustainability score corresponding to the client-specific input via the graphical user interface; (d) determining, by the processor, a first product allocation associated with the client-specific input; (e) displaying, by the processor, the first product allocation determined in step (d); (f) providing, by the processor, one or more graphical user interface widgets that allow adjustment of the first product allocation to a second product allocation; (g) determining, by the processor, an updated retirement income sustainability score corresponding to the second product allocation following step (f); and (h) displaying the updated retirement income sustainability score determined in step (g). - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer-implemented method for performing an analysis of sustainability of an investment portfolio to support a retirement income need for a client and displaying a result of the analysis, the method comprising the steps of:
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(a) providing, by a processor of a computing device, a first graphical user interface configured to accept client-specific input; (b) determining, by the processor, a retirement income sustainability score corresponding to the client-specific input, wherein the retirement income sustainability score is a measure of sustainability of the investment portfolio to support the retirement income need for the client; (c) displaying, by the processor, the retirement income sustainability score corresponding to the client-specific input via the graphical user interface; (d) determining, by the processor, a first product allocation associated with the client-specific input; (e) displaying, by the processor, the first product allocation determined in step (d); (f) following step (e), displaying, by the processor, the first or a subsequent graphical user interface configured to accept client-specific input comprising;
a desired face amount of life insurance and/or an amount of a life insurance premium;(g) determining, by the processor, a potential financial legacy without life insurance and a potential financial legacy with life insurance according to the client-specific input accepted in step (f), wherein the potential financial legacy is a probability-based value indicative of the size of a possible legacy; (h) determining, by the processor, a retirement income sustainability score without life insurance and a retirement income sustainability score with life insurance according to the client-specific input accepted in step (f); and (i) displaying the potential financial legacy with life insurance, the potential financial legacy without life insurance, the retirement income sustainability score with life insurance, and the retirement income sustainability score without life insurance. - View Dependent Claims (22, 23, 24, 25, 26, 27)
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28-56. -56. (canceled)
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57. A non-transitory computer-readable medium, wherein the computer-readable medium stores instructions that, when executed by a processor, cause the processor to:
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(a) provide a graphical user interface configured to accept client-specific input; (b) determine a retirement income sustainability score corresponding to the client-specific input, wherein the retirement income sustainability score is a measure of sustainability of the investment portfolio to support the retirement income need for the client; (c) display the retirement income sustainability score corresponding to the client-specific input via the graphical user interface; (d) determine a first product allocation associated with the client-specific input; (e) display the first product allocation determined in step (d); (f) provide one or more graphical user interface widgets that allow adjustment of the first product allocation to a second product allocation; (g) determine an updated retirement income sustainability score corresponding to the second product allocation following step (f); and (h) display the updated retirement income sustainability score determined in step (g).
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Specification