Systems and methods for improving investment performance
First Claim
1. A method for allocating investment assets including the steps of:
- providing for the inputting of information concerning at least one investor into at least one computer;
providing at least one discretionary asset allocation program for the at least one investor, the at least one discretionary asset allocation program being resident on at least one computer; and
utilizing the discretionary asset allocation program provided by;
(i) at least one conflicted person who receives variable fees or profits for providing services related to the discretionary asset allocation services or (ii) at least one other person in cooperation with the at least one conflicted person;
wherein the discretionary investment allocation decisions are automatically implemented by at least one computer for the at least one investor, and wherein the discretionary investment asset allocation decisions are implemented using the discretionary asset allocation program, which is provided for by the inputting of computer information comprising algorithms used to reallocate funds in the investment vehicle, the algorithms being implemented, developed maintained or approved by the at least one person who is independent from at any other person who receives variable fees orprofits by reason of the allocation of investments in the investment vehiclesuch that the at least one conflicted person'"'"'s ability to self deal is eliminated.
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0 Petitions
Accused Products
Abstract
Methods for a data processor implemented system monitor for enabling persons to turn over the allocation their investment assets, and/or receive assistance concerning how to receive disbursements from investments, in a manner that is free from or ameliorates the traditional conflicts of interest in previous systems. The methods are adapted to ameliorate the tension between other functions where the compensation may be affected by asset allocation. The systems and methods collect, monitor, and direct information from persons who hold indicative data, e.g., employers, to provide professional asset allocation services including automatic allocation, rebalancing, and reallocation of investment assets, on a regular basis; as well as assistance in determining how much to save or how to receive disbursements in a manner that ameliorates conflicts of interest, which, in the case of employee benefit plans, is consistent with the regulatory restraints of ERISA (Employee Retirement Income Security Act).
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Citations
39 Claims
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1. A method for allocating investment assets including the steps of:
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providing for the inputting of information concerning at least one investor into at least one computer; providing at least one discretionary asset allocation program for the at least one investor, the at least one discretionary asset allocation program being resident on at least one computer; and utilizing the discretionary asset allocation program provided by;
(i) at least one conflicted person who receives variable fees or profits for providing services related to the discretionary asset allocation services or (ii) at least one other person in cooperation with the at least one conflicted person;
wherein the discretionary investment allocation decisions are automatically implemented by at least one computer for the at least one investor, and wherein the discretionary investment asset allocation decisions are implemented using the discretionary asset allocation program, which is provided for by the inputting of computer information comprising algorithms used to reallocate funds in the investment vehicle, the algorithms being implemented, developed maintained or approved by the at least one person who is independent from at any other person who receives variable fees orprofits by reason of the allocation of investments in the investment vehiclesuch that the at least one conflicted person'"'"'s ability to self deal is eliminated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 34, 35, 36, 37, 39)
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13. A system for allocating investment assets comprising:
structure for inputting computer information comprising information concerning at least one investor including the age of the at least one investor; structure for providing at least one discretionary asset allocation program for the at least one investor; and
structure for utilizing the discretionary asset allocation program, provided by;
(i) at least one conflicted person who receives variable fees or profits for providing services related to the discretionary asset allocation or (ii) at least one other person in cooperation with at least one conflicted person;
wherein discretionary investment allocation decisions are automatically implemented using computer information comprising algorithms used to reallocate funds in the investment vehicle, the algorithms being developed or approved at least one person who is substantially independent from at any other person who receives variable fees or profits by reason of the allocation of investments in the investment vehicle such that the at least one conflicted person'"'"'s ability to self deal is eliminated.- View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 38)
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25. Apparatus comprising:
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a computer system, comprising a at least one computer, adapted to carry out the steps of; receiving into a memory associated with the at least one computer, information concerning at least one investor; receiving into a memory associated with the-at least one computer, at least one discretionary asset allocation program for at the least one investor; receiving into a memory associated with the at least one computer, an implementation of the decisions of the discretionary investment allocation programs; and generating the discretionary asset allocation program for at least one investor which is being provided by;
(i) at least one conflicted person who receives variable fees or profits for providing services related to the discretionary asset allocation or (ii) at least one other person in concert cooperation with the at least one conflicted person;
wherein the discretionary investment allocation decisions are automatically implemented for the at least one investor by the inputting of computer information comprising algorithms used to reallocate funds in an investment vehicle, the algorithms being implemented, developed maintained or approved by the at least one person who is substantially independent from at any other person who receives variable fees or profits by reason of the allocation of investments in the investment vehicle in a manner that eliminates the at least one conflicted person'"'"'s ability to self deal, and wherein the allocation inputted into the computer for the discretionary investment allocation decisions is based on algorithms developed, or approved by the at least one other person who is independent of the at least one conflicted person. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33)
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Specification