Patent ID: 11869087
Assignee: CHARLES SCHWAB & CO., INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A computer system for managing a plurality of investments for a plurality of investors, comprising:
an investor registration manager comprising a hardware processor coupled to a computer memory for maintaining information for investor accounts;
at least one allocation manager comprising the hardware processor coupled to the computer memory, each allocation manager having an input for receiving, during a first period, from each of a plurality of investment advisors, each of whom is different from the plurality of investors, a plurality of investment strategies, each investment strategy of the plurality of investment strategies comprising a plurality of model portfolios, each model portfolio of the plurality of model portfolios comprising a plurality of first indications, each of the plurality of first indications indicating a percentage of the model portfolio to be allocated to an investment of the plurality of investments, each allocation manager for providing at an output the plurality of first indications for each model portfolio of each investment strategy;
an investment assignment manager comprising the hardware processor coupled to the computer memory and having an input for receiving during a second period after the first period, from each investor of the plurality of investors, a selection of one of the plurality of investment advisors and a plurality of answers to a plurality of questions, the investment assignment manager for linking each of the plurality of investors to a model portfolio of an investment strategy of one of the plurality of investment advisors responsive to the plurality of answers received and the selection of each of the plurality of investors, and for providing at an output, an identifier of the model portfolio linked to each of the plurality of investors; and
an investment manager comprising the hardware processor coupled to the computer memory and having an input coupled to each of the at least one allocation manager output for receiving the plurality of first indications for each model portfolio of each investment strategy, and to the investment assignment manager output for receiving the identifier of the model portfolio linked to each of the plurality of investors, the investment manager for investing via an investment manager input and an investment manager output, during a third period after the second period, funds of each of the plurality of investors responsive to the plurality of first indications in the model portfolio to which each of the plurality of investors is linked; and
wherein:
the at least one allocation manager is additionally for receiving from one of the plurality of investment advisors via the allocation manager input, during a fourth period after the third period, a second indication indicating an updated percentage of one of the investments of the plurality of investments of a model portfolio of the one of the plurality of investment advisors, the second indication superseding one of the plurality of first indications of the model portfolio of the one of the plurality of investment advisors, and the at least one allocation manager additionally for providing at its respective allocation manager output, the second indication;
the investment manager input is additionally for receiving the second indication, and the investment manager is additionally for rebalancing via the investment manager input and the investment manager output, for the investor during a fifth period after the fourth period, the investments of a subset of the investors of the plurality of investors, the rebalancing including adjusting allocations of investments of the plurality of investments of the subset of investors to align with the plurality of first indications and the second indication of the model portfolio linked to each investor of the subset of investors, the subset of investors of the plurality of investors being investors whose investments are not aligned with at least one of the plurality of first indications and the second indication prior to the rebalancing;
the investment manager input is additionally for receiving, during a sixth period after the fourth period, an instruction to change an amount of the funds invested by an investor;
and the investment manager is additionally for
responsive to the instruction comprising an increase in the funds to be invested for the investor, purchasing for the investor investments aligned with the plurality of first indications and the second indication of the model portfolio linked to the investor; and
responsive to the instruction comprising a decrease in funds to be invested for the investor, selling, via the investment manager input and the investor manager output coupled to a Transmission Control Protocol/Internet Protocol-compatible communication interface, a portion of at least one investment to maintain alignment with the plurality of first indications and the second indication of the model portfolio linked to the investor.