Patent ID: 8341063
Filing Date: 2012-12-25
Classification: G06Q

Abstract:
1. A computer-assisted method for evaluating the risks and rewards of a plurality of mixed portfolios in relation to a comparatively low-risk baseline portfolio, the computer-assisted method comprising: employing a computer including a processor and a graphical user interface to spatially arrange a user's inputs on a computer screen and visually display a user's inputs and at least one graphical output; modeling the baseline portfolio as being entirely allocated to low-risk assets; computer modeling each mixed portfolio as having assets that are subdivided between the low-risk assets and comparatively more volatile assets; receiving, for each mixed portfolio, a central tendency statistic of periodic retirement expenditures drawn from the mixed portfolio in computer simulations of the mixed portfolio; receiving a computer-generated estimated retirement budget that the baseline portfolio is predicted to be able to sustain; plotting, for each mixed portfolio and on a graph displayed on the graphical user interface, the central tendency statistic of periodic retirement expenditures drawn from mixed portfolio in a computer simulation of the mixed portfolio; and comparatively illustrating on the same graph the computer-generated estimated retirement budget that the baseline portfolio is predicted to be able to sustain; wherein the method is performed through at least one of the following hardware arrangements: (a) the computer that visually displays the user's inputs and the graph also performs at least some computations to model the mixed portfolios, simulate the mixed portfolios, calculate central tendency statistics of the periodic retirement expenditures drawn from the mixed portfolios, or calculate the estimated retirement budget that the baseline portfolio is predicted to be able to sustain; and (b) the computer that visually displays the user's inputs and the graph is connected to a network and receives, via the network connection, the portfolio performance outcomes from other network-connected computers at least some computations to model the mixed portfolios, simulate the mixed portfolios, calculate central tendency statistics of the periodic retirement expenditures drawn from the mixed portfolios, or calculate the estimated retirement budget that the baseline portfolio is predicted to be able to sustain.