Patent ID: 8504460

Claim:
A non-transitory computer-readable medium comprising software operable, when executed by one or more computers, to: determine a current account balance for a financial account wherein: at least a portion of the financial account is held in a variable sub-account comprising one or more investments selected by an account holder; and the financial account is associated with a guarantee of a protected value, the protected value comprising at least an amount based upon the initial account balance growing at a minimum positive growth rate for at least a defined period of time or until one or more defined events occur, whichever is sooner; calculate a liability ratio for the financial account; and determine whether to transfer at least a portion of the account balance from the variable sub-account to a low-risk sub-account comprising one or more investments having a lower expected return and a lower risk than the variable sub-account, the determination based on the liability ratio; wherein the liability ratio, used to determine whether to transfer at least a portion of the account balance from the variable sub-account to the low-risk sub-account when the variable sub-account is greater than zero, is calculated based on an expected liability, the value of the variable sub-account; and the value of the low-risk sub-account.