Patent ID: 8781929

Claim:
A system for providing a user with a plurality of guaranteed minimum retirement income payments, each constituted by a guaranteed minimum periodic retirement income payment amount, comprising: an equity module, tangibly embodied on a non-transitory computer readable medium, to receive an income generating payment and to output a periodic retirement income payment amount; and an adjustment module, tangibly embodied on a computer readable medium, that: compares the periodic retirement income payment amount and the guaranteed minimum periodic retirement income payment amount so as to generate a difference value, the difference value being a difference between the periodic retirement income payment amount and the guaranteed minimum periodic retirement income payment amount; outputs to the user at least the guaranteed minimum periodic retirement income payment amount; aggregates the difference value with a balance stored in an adjustment account, the adjustment account associated with the user and the guaranteed minimum periodic retirement income payment amount, the balance in the adjustment account dictating payment amount to the user in excess of the guaranteed minimum periodic retirement income payment amount, and the difference value being a positive value if the periodic retirement income payment amount is less than the guaranteed minimum periodic retirement income payment amount, such that the difference value increments the adjustment account; and the difference value being a negative value if the periodic retirement income payment amount is greater than the guaranteed minimum periodic retirement income payment amount, such that the difference value decrements the adjustment account.