Patent ID: 7783553

Claim:
An article of manufacture for making decisions regarding funding additional contributions to an investment that is funded using an asset accumulation strategy, the article of manufacture comprising a non-transitory tangible computer-readable medium encoded with computer-executable instructions for performing a method comprising: (a) automatically determining in a data processor for a plurality of successive time instances: (i) an absolute value of a compound average annual rate of return of the investment, and (ii) an absolute value of an internal rate of return of the investment; (b) the data processor identifying a first time instance when the absolute value of the compound average annual rate of return of the investment exceeds the absolute value of the internal rate of return of the investment, wherein the first time instance represents the time in which it is recommended that funding of additional contributions to the investment should be stopped; and (c) the data processor outputting a message recommending that funding of additional contributions to the investment should be stopped upon identifying the first time instance.