Patent ID: 8086512
Filing Date: 2011-12-27
Classification: G06Q

Abstract:
1. A computerized method for allocating financial assets related to a subscriber, the method comprising the steps of: configuring, in a server, a plurality of predetermined investment allocation paths, each investment allocation path including a plurality of pre-selected trigger events, the trigger events comprising one or more of subscriber age or life events of the subscriber, and a plurality of asset allocation models, each of the plurality of asset allocation models having an investment profile corresponding to one of the plurality of pre-selected trigger events; receiving data indicative of an initial risk tolerance associated with a subscriber; storing the data in a database in communication with the server; processing, in the server, the stored data to select one of said predetermined investment allocation paths corresponding to the initial risk tolerance, and responsive to receipt of data indicative of occurrence of one of the plurality of pre-selected trigger events, determining by the server data indicative of a rebalancing of the subscriber assets from one asset allocation model to another asset allocation model in accordance with the selected predetermined investment allocation path, and, based on information relevant to the subscriber's risk tolerance, receiving data indicative of a different risk tolerance associated with the subscriber, and selecting a different one of the predetermined investment allocation paths corresponding to the different risk tolerance.