Patent ID: 7974898

Claim:
A method of managing assets for stabilizing payment amounts in a series of anticipated periodic payments over a time period using a computer having a memory, the method comprising the steps of: storing information identifying said assets in memory; storing information identifying said series of anticipated periodic payments in the memory; determining an initial value of said assets; defining a first pool by allocating a portion of said assets to said first pool, wherein said first pool has a first value representing an initial present value of the anticipated periodic payments; defining a second pool by allocating a remaining portion of said assets to said second pool, wherein said second pool has a second value representing the initial value of said assets less said first value; at periodic intervals over the time period: determining a third value representing a subsequent market value of the assets in said first pool; comparing, by a computer, said third value to a fourth value representing a present value of a remaining number of said anticipated periodic payments; and in response to a determination that said third value is less than said fourth value, reallocating a portion of said assets from said second pool to said first pool so that said first asset pool has a new value representing said fourth value; and wherein said second pool includes assets designated for at least one beneficiary.