Patent ID: 7739183

Claim:
A computer readable medium having computer executable instructions, that when executed by a computer causes the computer to perform a method for automating management of investment portfolios comprising: creating an asset allocation for one or more accounts; creating one or more portfolio templates that can then be used to create customized portfolios for each client; applying a portfolio template for individual securities and wherein allocation percentages are assigned to customized portfolios for each client; using a prediction value for the expected growth rate of various markets comprising the predicting expected growth rate for classes of real investments and then assigning the expected growth rate to each individual security within the class of the real investment; assigning risk variables to each real investment; creating a target portfolio and an actual portfolio; computing an expected growth rate for each of the following real investment, said target portfolio, and actual portfolio, with respect to the said risk variables; moving proceeds into a cash or a money market upon sale of a real investment in the actual portfolio; comparing the target portfolio to the actual portfolio, once there is excess cash available within an account, determining which securities should be purchased, producing a target buy list; using any number of protection levels per real investment, some of which may adjust based on a current share price, that allows for a real investment to be liquidated over time as opposed to all at once and is completely adjustable based on a risk tolerance of the client; monitoring of protector levels of every investment for every account for every client in real-time and alerts an advisor when a tolerance is breached and action should be taken; setting a multitude of stop-loss levels for each security and a liquidation percentage assigned to each enabling a gradual reduction of investment in a security should it decline in value while allowing a partial participation in growth should the security being to appreciate; setting a trailing stop loss for each real investment of each account of each client monitoring price movements of the real investment in real time which will automatically increase a trigger price of a trailing stop loss as share price increases while also checking to see if a trailing stop loss trigger level has been breached and providing an alert only if said trailing stop loss trigger level has been breached; setting a target growth rate for a real investment, class, category, account, and client level and trigger levels are then dynamically adjusted in real-time based on the performance of said real investment, class, category, account, and client level relative to said target growth rates; and executing the purchase or sale of one or more securities.