Patent ID: 8224735
Filing Date: 2012-07-17
Classification: G06Q

Abstract:
1. A computer-implemented method of providing distributions to an investor, the computer-implemented method comprising: receiving, in a computer that has been programmed to perform steps of the method, data representative of assets owned by an investor; designating at least some of the assets as being Growth Component assets; designating at least some of the assets as being Income Protection Component assets; investing assets in the Growth Component primarily in growth-oriented investments; investing assets in the Income Protection Component into one or both of an amount of fixed term assets or money market mutual fund holdings to create an income-producing ladder with a selected number of steps with selected maturity intervals; periodically paying the investor a distribution from the Income Protection Component; receiving in the computer data representative of growth of the assets in the Growth Component over a period of time; calculating with the computer an amount, if any, the growth of the assets in the Growth Component has exceeded a threshold amount; determining with the computer one or both of an amount of additional fixed term assets or money market mutual fund holdings that should be purchased for the Income Protection Component based at least partially on the growth of the assets in the Growth Component; and receiving data in the computer representative of a state of the Income Protection Component; comparing the state of the Income Protection Component to a threshold state level; and if the state of the Income Protection Component is less than or equal to the threshold state level, determining that at least one additional fixed term security should be purchased for the Income Protection Component regardless of the growth of the assets in the Growth Component.