Patent ID: 8275688
Filing Date: 2012-09-25
Classification: G06Q

Abstract:
1. A method for investor recommendable wealth portfolio guidance of asset allocation for reference date dependent investments comprising: maintaining a database including a plurality of asset allocation glide paths for reference date dependent investment vehicles, said asset allocation glide paths representing asset allocation trajectories over time with respect to reference dates; receiving by a computer a set of representative investor profiles for each of said asset allocation glide paths; receiving by said computer a configuration for matching an investor to one of said asset allocation glide paths; receiving by said computer a profile of said investor, said profile of said investor including at least one of an initial balance and a cash flow; performing by said computer a simulation of a financial future of said investor in at least one of said reference date dependent investment vehicles; at each period of said simulation said simulation recommending at least one of said asset allocation glide paths that when combined with projected non-recommendable assets of said investor results in a complete wealth portfolio target; and recommending future asset allocation changes in each period of said simulation based on said at least one of said asset allocation glide paths and said profile of said investor.