Patent ID: 7962384

Claim:
A computerized investment system for managing investment allocation for an investment account, with an investor having control in selecting one or more variable investments for the investment account, the investment account having a guaranteed rate of return, the investor entitled to a guaranteed value based on a calculation using the guaranteed rate of return, the system comprising: one or more computer processors; one or more tangible computer-readable storage media; computer software stored on the one or more tangible computer-readable storage media and operable, when executed by the one or more computer processors, to: receive data representing a first account value of the investment account; calculate the guaranteed value based at least in part on the data representing the first account value and the guaranteed rate of return, the guaranteed rate of return providing that an account value of the investment account will be greater than or equal to the guaranteed value at the end of a predetermined time period regardless of market performance of the investment account, the guaranteed rate of return being greater than or equal to zero; receive data representing a request of the investor to allocate a percentage of the investment account to a variable investment selected by the investor from among a plurality of variable investments; in response to the received request data, allocate a percentage of the investment account to the variable investment selected by the investor; periodically determine whether the account value of the investment account would accumulate to at least the guaranteed value at the end of the predetermined time period if the account value was reduced by a predetermined percentage and reallocated to the secure investment for the remainder of the predetermined time period; and automatically reallocate a percentage of the investment account from the variable investment selected by the investor to a secure investment, the automatic reallocation reducing the risk associated with providing the guaranteed rate of return, the automatic reallocation in response to a determination that, based on market performance of the investment account, the account value of the investment account would not accumulate to at least the guaranteed value at the end of the predetermined time period if the account value was reduced by the predetermined percentage and reallocated to the secure investment for the remainder of the predetermined time period.