Patent ID: 8645254

Claim:
A method for administering an investment fund for an investor, the method comprising: during an accumulation phase of the investment fund, receiving a series of contributions to the investment fund; for each contribution: determining an allocation of the contribution between a risk-free portfolio and an upside portfolio using a computing system of an administrator of the investment fund, allocating at least a portion of the contribution to the risk-free portfolio, wherein the risk-free portfolio provides a minimum income stream upon a predetermined maturity date for the investment fund, and allocating at least a portion of the contribution to the upside portfolio, wherein the upside portfolio comprises one or more sophisticated assets only available to qualified investors that meet one or more investing criteria, and wherein the investor is not a qualified investor; and upon the predetermined maturity date for the investment fund: assigning the minimum income stream from the risk-free portfolio to the investor, and transferring the upside portfolio to the investor.