Guaranteed principal investment system, product and method

• US 7,769,664 B2
• Filed: 05/10/2007
• Issued: 08/03/2010
• Est. Priority Date: 05/10/2007
• Status: Active Grant

• Current Assignee: George Egan
• Original Assignee: George Egan
• Inventors: Egan, George
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US11/801,569
• Publication Number:
  US 20080281761A1
• Time in Patent Office: 1,181 Days
• Field of Search: 705/36.R, 705/35, 705/37, 705/38, 705/36.T, 705/4, 705/40, 705/39
• US Class Current: 705/36.00R
• 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

A financial system with at least one equity profile, one or more non-guaranteed investment instruments and at least one target-risk profile to provide a return on an initial investment amount a portion of which includes at least a predetermined sum certain principal amount. In certain aspects, 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 includes steps for providing a sum certain principal amount that includes at least a portion that is guaranteed and a portion that is non-guaranteed and earns an investor selected return.

Claims

1. An investment system, comprising a processor operable to execute instructions contained in computer program code and at least one computer readable medium including 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 for implementing:

a plurality of combination investment portfolio products,

a plurality of target risk profiles,

at least one non-guaranteed investment portion associated with at least one investment portfolio product;

at least one guaranteed investment portion per combination investment portfolio product wherein said guaranteed and non-guaranteed investment portions comprise a fixed allocation combination investment portfolio product and wherein said at least one of the guaranteed investment portions is comprised of one or more annuities and wherein said one or more annuities includes at least one equity indexed annuity; and

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, said reset code module further controlling one or more of the following items selected from the group consisting of the guaranteed principal amount, the guaranteed investment, the non-guaranteed investment, or a payout period wherein the user changes the parameters of the system.

2. The investment system 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 2 wherein the non-guaranteed investment portion further comprises:

at least one equity-indexed annuity;

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, said reset code module further controlling one or more of the following items selected from the group consisting of the guaranteed principal amount, the guaranteed investment, the non-guaranteed investment, or a payout period wherein the user changes the parameters of the system;

a plurality of equity and index annuity portfolio allocations in a single insurance and securities investment product; and

an investment system with greater than none and about 100% of all investment principal guaranteed.

4. 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.

5. The investment system 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 provides an enhanced market return on an initial investment amount, said return comprising at least a predetermined sum certain principal amount.

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

a plurality of investment portfolio products,

a plurality of target risk profiles, and

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.

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

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.

11. A computer implemented method including computer-readable storage medium having computer-readable program code embodied therein for causing a computer system to perform a method of providing an investment portfolio comprising the following steps in any order:

providing, by the computer system, at least one non-guaranteed investment;

providing, by the computer system, at least one guaranteed investment;

selecting, by the computer system, a degree of investment risk;

providing, by the computer system, 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 and wherein said at least one of the guaranteed investments is comprised of one or more annuities and wherein said one or more annuities includes at least one equity indexed annuity; and

providing, by the computer system, 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, said reset code module further controlling one or more of the following items selected from the group consisting of the guaranteed principal amount, the guaranteed investment, the non-guaranteed investment, or a payout period wherein the user changes the parameters of the system.

12. The method of claim 11 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.

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

determining, by the computer system, a percentage guarantee based on a guaranteed principal portion of a total investment amount;

relating, by the computer system, the percentage guarantee to at least one degree of risk;

determining, by the computer system, an investor risk profile based on the at least one degree of risk and the guaranteed principal;

displaying, by the computer system, the investor profile;

providing, by the computer system, one or more sum certain guaranteed principal investment portions correlating to the investor profile; and

providing, by computer system, one or more non-guaranteed investment portions based on the investor profile, wherein the investment portfolio calculates an allocation based on the degree of risk, said allocation comprising a first portion of a sum certain guaranteed principal and a second portion of a non-guaranteed investment return.

14. The method of claim 13 wherein displaying the investor profile comprises displaying a graph or chart on an electronic video display.

15. The method of claim 13 wherein the sum certain principal investment comprises one or more annuities.

16. The method of claim 13 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.

17. A system including a processor operable to execute instructions contained in computer program code and at least one computer readable medium and 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 the following steps:

providing at least one non-guaranteed investment;

providing 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 sum certain guaranteed principal market rate of return amount;

calculating a sum certain principal return amount by multiplying said guaranteed sum certain principal market rate of return by the at least one initial investment amount, wherein said sum certain principal return amount is less than the total initial investment amount and wherein said at least one of the sum certain guaranteed principal initial investment amounts is comprised of one or more annuities and wherein said one or more annuities includes at least one equity indexed annuity;

a plurality of equity and index annuity portfolio allocations in a single insurance and securities investment product; and

an investment system with greater than none and about 100% of all investment principal guaranteed.

18. The system of claim 17 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.

19. The system of claim 17 wherein the processor is connected to a computer network.

20. The system of claim 17 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 17 wherein the user interface is an Internet browser.

22. The system of claim 17 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 17 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 17 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 24 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.