Patent ID: 7831495

Claim:
A computer implemented method for allocating assets in a mutual fund among a stocks asset class, a bonds asset class, and a cash equivalents asset class, comprising: determining in a computer system first whether a buy signal has been given for stocks using a stock model queried on a change in financial indices; investing all assets of the mutual fund in stocks if a buy signal has been given for stocks using the computer system; if a buy signal for stocks is not indicated, determining in the computer system second whether a buy signal has been given for bonds using a bond model queried on the change in financial indices; investing all assets of the mutual fund in bonds if a buy signal has been given for bonds using the computer system; and if a buy signal for bonds is not indicated, investing all assets of the mutual fund in cash equivalents using the computer system, wherein at any given time, except during a process of transitioning assets in the mutual fund from one asset class to another, all assets in the mutual fund reside in only one asset class.