Patent ID: 7949585

Claim:
A computer-implemented method, comprising: at a central computer: storing data that represents a plurality of tranches of an investment product having different risk profiles with respect to a same investment fund; recording, by a processor, sales of the plurality of tranches to each of a plurality of investors in the investment product; receiving from the investors respective investment amounts; and for each of at least one of the investors, recording, by the processor, an assignment of shares in at least two of the plurality of tranches to the investor, wherein: for the each of the at least one investor, the respective investment amount of the investor is allocated to the at least two tranches by selecting an investment amount in each of the at least two tranches in accordance with at least one of: amounts specified by received instructions; and percentages specified by the instructions; and an aggregate investment amount of the investor in all of the at least two tranches provides a risk/reward profile that is customized for the investor.