Financial goal planning and analysis system
First Claim
1. A computer-implemented method comprising:
- performing exposure analysis, by a financial product mapping module being executed by one or more processors of one or more computer systems, on a financial product in which an investor holds an interest to determine how the financial product behaves relative to a set of asset classes;
generating a forecast, by a portfolio optimization module being executed by the one or more processors, for the financial product holding at a configurable time horizon based on forward-looking scenarios of one or more asset classes of the set of asset classes; and
based on the forecast, causing, by a user interface module being executed by the one or more processors, information to be presented indicative of a projected value of the financial product holding at the configurable time horizon.
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Abstract
A financial advisory system is described that facilitates planning regarding financial goals, such as retirement. According to one embodiment, a method of forecasting a future value of a financial product holding is provided. Exposure analysis is performed on a financial product in which an investor holds an interest to determine how the financial product behaves relative to a set of asset classes. A forecast is generated for the financial product holding at a configurable time horizon based on forward-looking scenarios of one or more asset classes of the set of asset classes. Based on the forecast, information is directly or indirectly caused to be presented regarding a projected value of the financial product holding at the configurable time horizon.
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Citations
17 Claims
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1. A computer-implemented method comprising:
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performing exposure analysis, by a financial product mapping module being executed by one or more processors of one or more computer systems, on a financial product in which an investor holds an interest to determine how the financial product behaves relative to a set of asset classes; generating a forecast, by a portfolio optimization module being executed by the one or more processors, for the financial product holding at a configurable time horizon based on forward-looking scenarios of one or more asset classes of the set of asset classes; and based on the forecast, causing, by a user interface module being executed by the one or more processors, information to be presented indicative of a projected value of the financial product holding at the configurable time horizon. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-implemented method comprising:
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performing returns-based style analysis, by a financial product mapping module being executed by one or more processors of one or more computer systems, on each of one or more financial products in a portfolio of an investor to determine how future returns of the portfolio are expected to behave relative to future returns of a plurality of asset classes; forecasting, by a portfolio optimization module being executed by the one or more processors, a value of the portfolio upon retirement of the investor based on forward-looking return scenarios of the plurality of asset classes, information indicative of a current value of the portfolio and information regarding anticipated periodic contributions to the portfolio; and causing, by a user interface module being executed by the one or more processors, a personalized projected retirement income to be presented for the investor based on the forecasted value. - View Dependent Claims (12, 13, 14)
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11. A server comprising:
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a storage device having tangibly embodied thereon one or more routines operable to perform financial planning functions; and one or more processors coupled to the storage device configured to execute the one or more routines to cause a projected retirement income capable of being generated by a portfolio of an investor to be presented to an end user, where the projected retirement income is personalized for the investor based on a forecast, which, in turn, is based on a retirement time horizon of the investor, a current value of the portfolio, anticipated periodic contributions to the portfolio, a relationship between future returns of one or more financial products in the portfolio to future returns of a plurality of asset classes and forward-looking return scenarios of the plurality of asset classes; the end user provides one or more of information indicative of the retirement time horizon, the current value of the portfolio and the anticipated periodic contributions via a web browser; and returns-based style analysis is used to determine the relationship between the future returns of the one or more financial products and the future returns of the plurality of asset classes. - View Dependent Claims (15, 16, 17)
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Specification