System, method, and computer program product for allocating assets among a plurality of investments to guarantee a predetermined value at the end of a predetermined period

Abstract

A system, method, and computer program product for allocating assets among a plurality of investments to guarantee a predetermined value at the end of a predetermined time period. A computer program controls the allocation of assets in the investment vehicle, which allows the investor to initially invest one hundred percent of the initial deposit in non-secure, high risk investments. At the end of the each trading day, the computer program determines if assets should be reallocated from the non-secure investments to the secure investments, from the secure investments to the non-secure investments, or if no reallocation is necessary.

1 . A method of managing an investment by allocating assets between a plurality of investment accounts, the investment having a guaranteed value at the end of a predetermined time period, the investment accounts including a secure account and a variable account, the secure account providing a minimum rate of return over the predetermined time period, the method comprising the steps of:
 assessing the value of the variable account;   determining a depreciated value for the variable account, said depreciated value being the value of the variable account at which the value of the investment would accumulate to the guaranteed value if the assets of the depreciated value of the variable account were reallocated to the secure account for the remainder of the predetermined time period;   comparing said depreciated value with a first value;   computing the value of assets to be reallocated from the secure account to the variable account if said depreciated value is greater than said first value;   comparing said depreciated value with a second value; and   computing a value of assets to be reallocated from the variable account to the secure account if said depreciated value is less than said second value.   
     
     
         2 . The method of  claim 1 , wherein said steps of computing a value of assets to be reallocated are performed to achieve a depreciated value of the variable account that is below said first value and above said second value. 
     
     
         3 . The method of  claim 1 , further comprising the step of producing an output including information of assets to be reallocated to the variable account. 
     
     
         4 . The method of  claim 3 , wherein said output is a request to purchase units of an investment of the variable account. 
     
     
         5 . The method of  claim 4 , wherein said output is adapted for display on a display device. 
     
     
         6 . The method of  claim 4 , wherein said request is for transmission to a computer system for performing the request. 
     
     
         7 . The method of  claim 6 , further comprising the steps of:
 transmitting said request to said computer system;   receiving data in response to transmitting said request; and   storing said received data.   
     
     
         8 . The method of  claim 1 , further comprising the step of producing an output including information of assets to be reallocated to the secure account. 
     
     
         9 . The method of  claim 8 , wherein said output is a request to sell units of an investment of the variable account. 
     
     
         10 . The method of  claim 9 , wherein said output is adapted for display on a display device. 
     
     
         11 . The method of  claim 9 , wherein said request is for transmission to a computer system for performing the request. 
     
     
         12 . The method of  claim 11 , further comprising the steps of:
 transmitting said request to said remote computer system;   receiving data in response to transmitting said request; and   storing said received data.   
     
     
         13 . The method of  claim 1 , wherein the investment is comprised of an initial principal amount and further comprising the step of allocating all of said initial principal amount to the variable account. 
     
     
         14 . A computer system for managing an investment by allocating assets between a plurality of investment accounts, the investment having a guaranteed value at the end of a predetermined time period, the investment accounts including a secure account and a variable account, the secure account providing a minimum rate of return over the predetermined time period, said system comprising:
 means for determining if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by a first predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period;   means for computing the value of assets to be reallocated from the variable account to the secure account if the value of the investment would not accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by said first predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period;   means for determining if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by a second predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period; and   means for computing the value of assets to be reallocated from the secure account to the variable account if the value of the investment would accumulate to at least the guaranteed value at the end of the predetermined time period if the value of the variable account was reduced by said second predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period.   
     
     
         15 . The computer system of  claim 14 , wherein said means for computing a value of assets to be reallocated from the variable account to the secure account includes means for determining the value of the variable account at which the investment would accumulate to the guaranteed value if the value of the variable account was reduced by a third predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period. 
     
     
         16 . The computer system of  claim 14 , wherein said means for computing a value of assets to be reallocated from the secure account to the variable account includes means for determining the value of the variable account at which the investment would accumulate to the guaranteed value if the value of the variable account was reduced by a fourth predetermined percentage and reallocated to the secure account for the remainder of the predetermined time period. 
     
     
         17 . The computer system of  claim 14 , further comprising means for producing an output including information of assets to be reallocated to the variable account. 
     
     
         18 . The computer system of  claim 17 , wherein said output is a request to purchase units of an investment of the variable account. 
     
     
         19 . The computer system of  claim 18 , wherein said output is adapted for display on a display device. 
     
     
         20 . The computer system of  claim 18 , wherein said request is for transmission to a computer system for performing the request. 
     
     
         21 . The computer system of  claim 20 , further comprising:
 means for transmitting said request to said computer system;   means for receiving data in response to transmitting said request; and   means for storing said received data.   
     
     
         22 . The computer system of  claim 14 , further comprising means for producing an output including information of assets to be reallocated to the secure account. 
     
     
         23 . The computer system of  claim 22 , wherein said output is a request to sell units of an investment of the variable account. 
     
     
         24 . The computer system of  claim 23 , wherein said output is adapted for display on a display device. 
     
     
         25 . The computer system of  claim 23 , wherein said request is for transmission to a computer system for performing the request. 
     
     
         26 . The computer system of  claim 25 , further comprising:
 means for transmitting said request to said remote computer system;   means for receiving data in response to transmitting said request; and   means for storing said received data.   
     
     
         27 . The computer system  claim 14 , wherein the investment is comprised of an initial principal amount and further comprising means for allocating all of said initial principal amount to the variable account. 
     
     
         28 . A computer program embodied on a computer readable medium for allocating assets between investment accounts of an investment, the investment having a guaranteed value at the end of a predetermined time period, the investment accounts including a secure account and a variable account, the secure account providing a minimum guaranteed rate of return, the variable account including at least one investment, the computer program comprising:
 a computer code segment which computes a depreciated variable account value;   said depreciated variable account value being the value of the variable account at which the value of the investment would accumulate to the guaranteed value at the end of the predetermined time period if said depreciated variable account value was invested at the minimum guaranteed rate of return for the remainder of the predetermined time period;   a computer code segment which determines if said depreciated variable account value is less than a first value;   a computer code segment which determines if said depreciated variable account value is greater than a second value;   a computer code segment which computes a secure account reallocation value in response to said depreciated variable account value being less than said first value, said secure account reallocation value being the value of assets to be reallocated from the variable account to the secure account so that said depreciated variable account value equals a third value; and   a computer code segment which computes a variable account reallocation value in response to said depreciated variable account value being greater than said second value, said variable account reallocation value being the value of assets to be reallocated from the secure account to the variable account so that said depreciated variable account value equals a fourth value.   
     
     
         29 . The computer program of  claim 28 , wherein said fourth value is the same as said third value. 
     
     
         30 . The computer program of  claim 28 , further comprising a computer code segment which produces an output based on said variable account reallocation value. 
     
     
         31 . The computer program of  claim 30 , wherein said output is a request to purchase units of an investment of the variable account. 
     
     
         32 . The computer program of  claim 31 , wherein said output is adapted for display on a display device. 
     
     
         33 . The computer program of  claim 31 , wherein said request is for transmission to a computer system for performing the request. 
     
     
         34 . The computer program of  claim 33 , further comprising:
 a computer code segment which transmits said request to said remote computer system;   a computer code segment which receives data in response to transmitting said request; and   a computer code segment which stores said received data.   
     
     
         35 . The computer program of  claim 28 , further comprising a computer code segment which produces an output based on said secure account reallocation value. 
     
     
         36 . The computer program of  claim 35 , wherein said output is a request to sell units of an investment of the variable account. 
     
     
         37 . The computer program of  claim 36 , wherein said output is adapted for display on a display device. 
     
     
         38 . The computer program of  claim 36 , wherein said request is for transmission to a computer system for performing the request. 
     
     
         39 . The computer program of  claim 38 , further comprising:
 a computer code segment which transmits said request to said remote computer system;   a computer code segment which receives data in response to transmitting said request; and   a computer code segment which stores said received data.   
     
     
         40 . The computer program of  claim 28 , wherein the investment is comprised of an initial principal amount and further comprising a computer code segment which allocates all of said initial principal amount to the variable account. 
     
     
         41 . A method of managing an investment by allocating assets between a plurality of investment accounts, the investment having a guaranteed value at the end of a predetermined time period, the investment accounts including a secure account and a variable account, the method comprising the steps of:
 assessing the value of the variable account;   computing a first depreciated value of the assets in the variable account;   determining whether the investment account would accumulate to the guaranteed value at the end of the predetermined time period if said first depreciated value of the assets were reallocated to the secure account for the remainder of the predetermined time period;   computing a value of assets to be reallocated to the secure account if said investment would not accumulate to the guaranteed value at the end of the predetermined time period if said first depreciated value of the assets were reallocated to the secure account for the remainder of the predetermined time period;   computing a second depreciated value of the assets in the variable account;   determining whether the investment would accumulate to the guaranteed value at the end of the predetermined time period if said second depreciated value of the assets were reallocated to the secure account for the remainder of the predetermined time period; and   computing a value of assets to be reallocated to the variable account if the investment would accumulate to the guaranteed value at the end of the predetermined time period if said second depreciated value of the assets were reallocated to the secure account for the remainder of the predetermined time period.   
     
     
         42 . The method of  claim 1 , wherein said first value is thirty percent. 
     
     
         43 . The method of  claim 1 , wherein said second value is twenty percent.