Patent ID: 8712900
Filing Date: 2014-04-29
Classification: G06Q

Abstract:
1. A computerized method for generating a funding and investment strategy associated with an underfunded pension plan, the method comprising: determining, by a computing device, an amount of funding required to fund an underfunded pension plan to a predetermined liability limit, wherein the amount of funding required is adjusted for (i) an expected return on pension plan assets, (ii) governmental premiums imposed on underfunded pension plans, and (iii) tax deduction amounts; determining, by the computing device, periodic future non-debt-based contribution amounts for the pension plan; adjusting, by the computing device, the amount of funding required based on the future non-debt-based contribution amounts; determining, by the computing device, an amount of debt to incur based on the adjusted amount of funding required; contributing, by the computing device, the incurred debt amount into the pension plan as a pension plan asset; generating, by the computing device, a strategic plan for investing the contributed pension plan asset in long-duration bonds, wherein the long-duration bonds have a higher yield curve than the incurred debt interest rate; acquiring, by the computing device, long-duration bonds that have characteristics consistent with the strategic plan; and during a subsequent period, adjusting, by the computing device, the future non-debt-based contribution amount so that the funding level of the pension plan meets but does not exceed the predetermined liability limit.