Investment portfolio

Abstract

The present invention is a method, system and investment product for allocating or structuring investment assets (such as marketable securities, bonds, mortgages, or other property interests, options or derivatives). The system, method or product enables selecting or grouping a number of individual financial instruments together into a portfolio (e.g., a fund or trust) and assigning weight coefficients to the selected financial instruments based upon a predetermined scale. After assigning the weight coefficients, the system or method purchases the selected instruments based on the allocated total purchase for each instrument (i.e., the total price of each instrument reflects is the price per unit×number of units, which correspond the predetermined weight coefficient). Then, the purchased individual financial instruments are allowed to fluctuate and perform for a predetermined time period (i.e., a number of years and months) without any further significant adjustments to the initial portfolio.

1 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       2 . The method of  claim 1  wherein said allocating includes dividing said selected stocks into several groups of stocks.  
   
   
       3 . The method of  claim 1  wherein said allocating includes dividing said selected stocks into three groups of stocks.  
   
   
       4 . The method of  claim 1  wherein allocating includes dividing said selected stocks into four groups of stocks based on price-to-earnings ratio, wherein said stocks in the first group include the highest price-to-earnings ratio, and said stocks in the fourth group include the lowest price-to-earnings ratio.  
   
   
       5 . The method of  claim 4  wherein purchasing includes purchasing stocks from the first group.  
   
   
       6 . The method of  claim 4  wherein purchasing includes purchasing stocks from the third and fourth group.  
   
   
       7 . The method of  claim 4  wherein purchasing includes purchasing stocks from the fourth group.  
   
   
       8 . The method of  claim 1  wherein allocating includes dividing said selected stocks into four groups of stocks based on price-to-sales ratio, wherein said stocks in the first group include the highest price-to-sales ratio, and said stocks in the fourth group include the lowest price-to-sales ratio.  
   
   
       9 . The method of  claim 8  wherein purchasing includes purchasing stocks from the first group.  
   
   
       10 . The method of  claim 8  wherein purchasing includes purchasing stocks from the third and fourth group.  
   
   
       11 . The method of  claim 8  wherein purchasing includes purchasing stocks from the fourth group.  
   
   
       12 . The method of  claim 1  wherein allocating includes dividing said selected stocks into four groups of stocks based on price-to-book ratio, wherein said stocks in the first group include the highest price-to-book ratio, and said stocks in the fourth group include the lowest price-to-book ratio.  
   
   
       13 . The method of  claim 12  wherein purchasing includes purchasing stocks from the first group.  
   
   
       14 . The method of  claim 12  wherein purchasing includes purchasing stocks from the third and fourth group.  
   
   
       15 . The method of  claim 12  wherein purchasing includes purchasing stocks from the fourth group.  
   
   
       16 . The method of  claim 1 ,  4 ,  8  or  12  wherein said selecting includes selecting said number of stocks being larger than 100.  
   
   
       17 . The method of  claim 1 ,  4 ,  8  or  12  wherein said selecting includes selecting said number of stocks being about 1000.  
   
   
       18 . The method of  claim 1 ,  4 ,  8  or  12  wherein said selecting includes selecting said number of stocks being about 3000.  
   
   
       19 . The method of  claim 1 ,  4 ,  8  or  12 , wherein said selected time period is at least 2 years.  
   
   
       20 . The method of  claim 1 ,  4 ,  8  or  12 , wherein said selected time period is more than 2 years.  
   
   
       21 . The method of  claim 1 ,  4 ,  8  or  12 , wherein said selected time period is more than 3 years.  
   
   
       22 . The method of  claim 1 ,  4 ,  8  or  12 , wherein said stocks are selected from a particular market segment.  
   
   
       23 . The method of  claim 1 ,  4 ,  8  or  12 , wherein said stocks are selected from a particular market sector.  
   
   
       24 . The method of  claim 1 ,  4 ,  8  or  12  further including creating an investment trust.  
   
   
       25 . The method of  claim 1 ,  4 ,  8  or  12  further including creating a mutual fund.  
   
   
       26 . The method of  claim 1 ,  4 ,  8  or  12  further including creating a closed-end fund.  
   
   
       27 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks, including calculating said individual weight coefficients based on annual sales of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       28 . The method of  claim 27  wherein said allocating includes dividing said selected stocks into several groups of stocks.  
   
   
       29 . The method of  claim 27  wherein said allocating includes dividing said selected stocks into three groups of stocks.  
   
   
       30 . The method of  claim 27  wherein said selecting includes selecting said number of stocks being larger than 100.  
   
   
       31 . The method of  claim 27  wherein said selecting includes selecting said number of stocks being about 1000.  
   
   
       32 . The method of  claim 27  wherein said selecting includes selecting said number of stocks being about 3000.  
   
   
       33 . The method of  claim 27  wherein said selected time period is at least 2 years.  
   
   
       34 . The method of  claim 27  wherein said selected time period is more than 2 years.  
   
   
       35 . The method of  claim 27  wherein said selected time period is more than 3 years.  
   
   
       36 . The method of  claim 27  wherein said stocks are selected from a particular market segment.  
   
   
       37 . The method of  claim 27  wherein said stocks are selected from a particular market sector.  
   
   
       38 . The method of  claim 27  further including creating an investment trust.  
   
   
       39 . The method of  claim 27  further including creating a mutual fund.  
   
   
       40 . The method of  claim 27  further including creating a closed-end fund.  
   
   
       41 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks, including calculating said individual weight coefficients based on annual earnings of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       42 . The method of  claim 41  wherein said selected time period is at least 2 years.  
   
   
       43 . The method of  claim 41  wherein said selected time period is more than 2 years.  
   
   
       44 . The method of  claim 41  wherein said selected time period is more than 3 years.  
   
   
       45 . The method of  claim 41  wherein said stocks are selected from a particular market segment.  
   
   
       46 . The method of  claim 41  wherein said stocks are selected from a particular market sector.  
   
   
       47 . The method of  claim 41  further including creating an investment trust.  
   
   
       48 . The method of  claim 41  further including creating a mutual fund.  
   
   
       49 . The method of  claim 41  further including creating a closed-end fund.  
   
   
       50 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks including calculating said individual weight coefficients based on book value of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       51 . The method of  claim 50  wherein said selected time period is at least 2 years.  
   
   
       52 . The method of  claim 50  wherein said selected time period is more than 2 years.  
   
   
       53 . The method of  claim 50  wherein said selected time period is more than 3 years.  
   
   
       54 . The method of  claim 50  wherein said stocks are selected from a particular market segment.  
   
   
       55 . The method of  claim 50  wherein said stocks are selected from a particular market sector.  
   
   
       56 . The method of  claim 50  further including creating an investment trust.  
   
   
       57 . The method of  claim 50  further including creating a mutual fund.  
   
   
       58 . The method of  claim 50  further including creating a closed-end fund.  
   
   
       59 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks including calculating said individual weight coefficients based on price-to-earnings (P/E) of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       60 . The method of  claim 59  wherein said selected time period is at least 2 years.  
   
   
       61 . The method of  claim 59  wherein said selected time period is more than 2 years.  
   
   
       62 . The method of  claim 59  wherein said selected time period is more than 3 years.  
   
   
       63 . The method of  claim 59  wherein said stocks are selected from a particular market segment.  
   
   
       64 . The method of  claim 59  wherein said stocks are selected from a particular market sector.  
   
   
       65 . The method of  claim 59  further including creating an investment trust.  
   
   
       66 . The method of  claim 59  further including creating a mutual fund.  
   
   
       67 . The method of  claim 59  further including creating a closed-end fund.  
   
   
       68 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks including calculating said individual weight coefficients based on ratio of price-to-earnings (P/E) to growth of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       69 . The method of  claim 68  wherein said selected time period is at least 2 years.  
   
   
       70 . The method of  claim 68  wherein said selected time period is more than 2 years.  
   
   
       71 . The method of  claim 68  wherein said selected time period is more than 3 years.  
   
   
       72 . The method of  claim 68  wherein said stocks are selected from a particular market segment.  
   
   
       73 . The method of  claim 68  wherein said stocks are selected from a particular market sector.  
   
   
       74 . The method of  claim 68  further including creating an investment trust.  
   
   
       75 . The method of  claim 68  further including creating a mutual fund.  
   
   
       76 . The method of  claim 68  further including creating a closed-end fund.  
   
   
       77 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks including calculating said individual weight coefficients based on price-to-sales of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       78 . The method of  claim 77  wherein said selected time period is at least 2 years.  
   
   
       79 . The method of  claim 77  wherein said selected time period is more than 2 years.  
   
   
       80 . The method of  claim 77  wherein said selected time period is more than 3 years.  
   
   
       81 . The method of  claim 77  wherein said stocks are selected from a particular market segment.  
   
   
       82 . The method of  claim 77  wherein said stocks are selected from a particular market sector.  
   
   
       83 . The method of  claim 77  further including creating an investment trust.  
   
   
       84 . The method of  claim 77  further including creating a mutual fund.  
   
   
       85 . The method of  claim 77  further including creating a closed-end fund.  
   
   
       86 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks including calculating said individual weight coefficients based on price-to-book value of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       87 . The method of  claim 86  wherein said selected time period is at least 2 years.  
   
   
       88 . The method of  claim 86  wherein said selected time period is more than 2 years.  
   
   
       89 . The method of  claim 86  wherein said selected time period is more than 3 years.  
   
   
       90 . The method of  claim 86  wherein said stocks are selected from a particular market segment.  
   
   
       91 . The method of  claim 86  wherein said stocks are selected from a particular market sector.  
   
   
       92 . The method of  claim 86  further including creating an investment trust.  
   
   
       93 . The method of  claim 86  further including creating a mutual fund.  
   
   
       94 . The method of  claim 86  further including creating a closed-end fund.  
   
   
       95 . A method of creating an investment portfolio, comprising the acts of: 
 selecting a number of stocks publicly traded on a stock exchange, said number of stocks being larger than 50;    allocating individual weight coefficients corresponding to said selected stocks including calculating said individual weight coefficients based on growth rate of companies of said selected stocks;    purchasing said selected stocks based on said weight coefficients representing relative values between said individual stocks; and    maintaining substantially said purchased stocks for a selected time period regardless of market capitalization of any of said stocks.    
   
   
       96 . The method of  claim 95  wherein said selected time period is at least 2 years.  
   
   
       97 . The method of  claim 95  wherein said selected time period is more than 2 years.  
   
   
       98 . The method of  claim 95  wherein said selected time period is more than 3 years.  
   
   
       99 . The method of  claim 95  wherein said stocks are selected from a particular market segment.  
   
   
       100 . The method of  claim 95  wherein said stocks are selected from a particular market sector.  
   
   
       101 . The method of  claim 95  further including creating an investment trust.  
   
   
       102 . The method of  claim 95  further including creating a mutual fund.  
   
   
       103 . The method of  claim 95  further including creating a closed-end fund.  
   
   
       104 . An asset portfolio, comprising a number of at least fifty publicly traded stocks selected and purchased according to corresponding individual weight coefficients representing relative values between said stocks, wherein said individual weight coefficients are allocated prior to said purchase and wherein said initially purchased stocks are substantially maintained for a selected time period regardless of a market capitalization of any of said stocks.  
   
   
       105 . The asset portfolio of  claim 104  wherein allocation includes dividing said selected stocks into several groups of stocks.  
   
   
       106 . The asset portfolio of  claim 104  wherein allocation includes dividing said selected stocks into three groups of stocks.  
   
   
       107 . The asset portfolio of  claim 104  wherein allocation includes dividing said selected stocks into four groups of stocks based on a price-to-earnings ratio, wherein said stocks in the first group include the highest price-to-earnings ratio, and said stocks in the fourth group include the lowest price-to-earnings ratio.  
   
   
       108 . The asset portfolio of  claim 107  wherein said purchased stocks are from the first group.  
   
   
       109 . The asset portfolio of  claim 107  wherein said purchased stocks are from the third and fourth group.  
   
   
       110 . The asset portfolio of  claim 107  wherein said purchased stocks are from the fourth group.