Patent ID: 8224728
Filing Date: 2012-07-17
Classification: G06Q

Abstract:
1. A method for managing an investment by allocating assets between a plurality of investment accounts, the investment having a guaranteed value at the end of a predetermined time period to provide a guaranteed income regardless of market performance of the investment, the investment accounts including a secure account and a variable account, the secure account providing a minimum rate of return over the predetermined time period, an investor entitled to the guaranteed value having control in selecting one or more variable investments for the variable account, the method comprising: accessing, by a computer system, a selection, made by the investor, of one or more variable investments of the variable account; determining, by the computer system and based on said selection, if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by a predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; computing, by the computing system, the value of assets to be reallocated from the variable account to the secure account if the value of the investment would not accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by the predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; and producing, by the computing system, an output including information of assets to be reallocated to the secure account.