Patent ID: 8229827

Claim:
A method implemented at least partially in a programmed computer for sharing risk of loss among at least three investment instrument holders, the method comprising: aggregating by the programmed computer premiums to form a loss reduction fund, the premiums at least partially contributed by said at least three investment instrument holders; determining by the programmed computer, losses or gains incurred by each of said at least three investment instrument holders for at least one investment instrument at a predetermined time; and determining by the programmed computer, a loss threshold wherein losses less than the loss threshold incurred by any of said at least three investment holders are uncompensated and at least a portion of the losses greater than the loss threshold incurred by any of said at least three investment holders are compensated; reimbursing by the programmed computer, at least a portion of the compensated losses, wherein reimbursement of a compensated loss to one investment instrument holder from said at least three investment instrument holders is at least partially determined by the loss of said one holder, with consideration for losses of the plurality of holders.