Patent ID: 8170944

Claim:
A method using a computer for calculating a performance benchmark customized for a stable value fund, which fund is invested in a number of strategy portfolios, which portfolios are wrapped in a number of wrap contracts or insurance separate account contracts comprising: (a) calculating using the computer the return performance of the stable value fund, and the corresponding market-value-book-value ratio; (b) selecting an appropriate benchmark index for each strategy portfolio; (c) calculating using the computer a benchmark crediting rate for the customized performance benchmark, as if the stable value fund had been invested in the appropriate benchmark indexes instead of the actual strategy portfolios; (d) applying using the computer the benchmark crediting rate and appropriate benchmark index returns to calculate a custom return performance benchmark and corresponding market-value-book-value ratio; and (e) comparing the actual performance of the stable value fund to the performance of the customized performance benchmark, and comparing the stable value fund market-value-book-value ratio to the customized performance benchmark market-value-book-value ratio.