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    System, Method, and Computer Program Product for Cost Effective, Dynamic Allocation of Assets Among a Plurality of Investments
    1.
    发明申请
    System, Method, and Computer Program Product for Cost Effective, Dynamic Allocation of Assets Among a Plurality of Investments 审中-公开
    系统，方法和计算机程序产品在多种投资中的成本效益，动态分配资产

    公开(公告)号：US20100318473A1

    公开(公告)日：2010-12-16

    申请号：US12846682

    申请日：2010-07-29

    申请人： Robert Arena ,  David Kuperstock ,  Robert O'Donnell ,  Lincoln Collins

    发明人： Robert Arena ,  David Kuperstock ,  Robert O'Donnell ,  Lincoln Collins

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/10

    摘要： A system, method, and computer program product for dynamic, cost effective reallocation of assets among a plurality of investment products comprising a processor, a memory and a computer program stored in the memory. The computer program implementing the present invention controls the reallocation of assets to reduce the transactions costs associated with rebalancing the investor's composite assets according to a composite asset allocation model. Information relating to the composite asset allocation model, the investor's assets, and the investor are stored in memory. Periodically, or upon occurrence of an event, the composite assets are evaluated to determine if rebalancing is necessary. If rebalancing is necessary, the transaction costs associated with the available transactions for performing the rebalancing are compared to select the most economically favorable transaction. Thus, the reallocation is achieved by selecting the least costly transaction that will serve to realize the composite asset allocation model, which is independent of the structure of the investor's portfolio among particular accounts or products. In addition, the computer program compares the available options for recovery of the transaction fees to select the most economically favorable means of recovering the fees associated with the transaction to further reduce the transaction cost of the reallocations.

    摘要翻译： 一种用于在包括存储在存储器中的处理器，存储器和计算机程序的多个投资产品之间进行动态，成本有效地重新分配资产的系统，方法和计算机程序产品。 实施本发明的计算机程序控制资产重新分配，以减少与复合资产分配模型重新平衡投资者复合资产相关的交易成本。 有关复合资产配置模式，投资者资产和投资者的信息存储在内存中。 定期或发生事件时，对综合资产进行评估，以确定是否需要重新平衡。 如果需要重新平衡，则与进行再平衡的可用交易相关的交易成本进行比较，以选择最经济有利的交易。 因此，通过选择用于实现复合资产分配模型的最低成本的交易来实现重新分配，该模型独立于特定账户或产品之间的投资者组合的结构。 此外，计算机程序比较了用于恢复交易费用的可用选项，以选择最经济有利的方式来恢复与交易相关的费用，以进一步降低重新分配的交易成本。

    System, method, and computer program product for cost effective, dynamic allocation of assets among a plurality of investments
    2.
    发明授权
    System, method, and computer program product for cost effective, dynamic allocation of assets among a plurality of investments 有权
    系统，方法和计算机程序产品，用于在多个投资之间进行成本效益，动态分配资产

    公开(公告)号：US07769659B2

    公开(公告)日：2010-08-03

    申请号：US10076739

    申请日：2002-02-15

    申请人： Robert Arena ,  N. David Kuperstock ,  Robert O'Donnell ,  Lincoln Collins

    发明人： Robert Arena ,  N. David Kuperstock ,  Robert O'Donnell ,  Lincoln Collins

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/10

    摘要： A system, method, and computer program product for dynamic, cost effective reallocation of assets among a plurality of investment products comprising a processor, a memory and a computer program stored in the memory. The computer program implementing the present invention controls the reallocation of assets to reduce the transactions costs associated with rebalancing the investor's composite assets according to a composite asset allocation model. Information relating to the composite asset allocation model, the investor's assets, and the investor are stored in memory. Periodically, or upon occurrence of an event, the composite assets are evaluated to determine if rebalancing is necessary. If rebalancing is necessary, the transaction costs associated with the available transactions for performing the rebalancing are compared to select the most economically favorable transaction. Thus, the reallocation is achieved by selecting the least costly transaction that will serve to realize the composite asset allocation model, which is independent of the structure of the investor's portfolio among particular accounts or products. In addition, the computer program compares the available options for recovery of the transaction fees to select the most economically favorable means of recovering the fees associated with the transaction to further reduce the transaction cost of the reallocations.

    摘要翻译： 一种用于在包括存储在存储器中的处理器，存储器和计算机程序的多个投资产品之间进行动态，成本有效地重新分配资产的系统，方法和计算机程序产品。 实施本发明的计算机程序控制资产重新分配，以减少与复合资产分配模型重新平衡投资者复合资产相关的交易成本。 有关复合资产配置模式，投资者资产和投资者的信息存储在内存中。 定期或发生事件时，对综合资产进行评估，以确定是否需要重新平衡。 如果需要重新平衡，则与进行再平衡的可用交易相关的交易成本进行比较，以选择最经济有利的交易。 因此，通过选择用于实现复合资产分配模型的最低成本的交易来实现重新分配，该模型独立于特定账户或产品之间的投资者组合的结构。 此外，计算机程序比较了用于恢复交易费用的可用选项，以选择最经济有利的方式来恢复与交易相关的费用，以进一步降低重新分配的交易成本。

    System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity
    3.
    发明授权
    System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity 有权
    系统，方法和计算机程序产品，用于提供稳定的年金支付和对可变年金投资的控制

    公开(公告)号：US07401037B2

    公开(公告)日：2008-07-15

    申请号：US10079795

    申请日：2002-02-20

    申请人： Robert Arena ,  Robert Schwartz ,  N David Kuperstock ,  Robert O'Donnell ,  Gordon Boronow

    发明人： Robert Arena ,  Robert Schwartz ,  N David Kuperstock ,  Robert O'Donnell ,  Gordon Boronow

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/08

    摘要： In one embodiment, a method of managing assets for stabilizing anticipated periodic payments, allocating the assets to first and second pools; at periodic intervals, comparing the current value of the assets in the first pool to a present value of the remaining payments; and, when the current value is less the present value, reallocating a portion of the assets from the second pool to the first pool so that the first asset pool has a current value representing the present value. In another embodiment, a method for managing assets for stabilizing anticipated periodic payments includes allocating the assets into first and second pools; establishing a first payment amount; determining a first trigger value; assessing a current value of the assets; and reallocating assets from the second pool to the first pool to increase the first payment amount in response to the current value being greater than the first trigger value.

    摘要翻译： 在一个实施例中，一种管理资产以稳定预期定期支付的方法，将资产分配给第一和第二池; 将第一个库中的资产的当前价值与其余付款的现值进行比较; 并且当当前值小于当前值时，将资源的一部分从第二池重新分配到第一池，使得第一资产池具有表示当前值的当前值。 在另一个实施例中，用于管理用于稳定预期定期支付的资产的方法包括将资产分配到第一和第二池中; 建立第一笔付款金额; 确定第一触发值; 评估资产的现值; 以及将资产从第二池重新分配到第一池以响应于当前值大于第一触发值来增加第一支付金额。

    System, Method, and Computer Program Product for Providing Stabilized Annuity Payments and Control of Investments in a Variable Annuity Patent Application
    5.
    发明申请
    System, Method, and Computer Program Product for Providing Stabilized Annuity Payments and Control of Investments in a Variable Annuity Patent Application 有权
    系统，方法和计算机程序产品，用于提供稳定的年金付款和可变年金专利申请中的投资控制

    公开(公告)号：US20080270323A1

    公开(公告)日：2008-10-30

    申请号：US12170174

    申请日：2008-07-09

    申请人： Robert Arena ,  Robert Schwartz ,  N. David Kuperstock ,  Robert O'Donnell ,  Gordon Boronow

    发明人： Robert Arena ,  Robert Schwartz ,  N. David Kuperstock ,  Robert O'Donnell ,  Gordon Boronow

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/08

    摘要： A system, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity, the system comprising a processor, a memory, and a computer program stored in the memory. The computer program allocates the short and long term risks associated with an investment to the potential beneficiaries of the annuitant by controlling the allocation of assets between two investment pools. The annuitant pool is the pool on which annuity payments are based and the beneficiary pool contains assets that are provided to the beneficiaries upon the death of the annuitant. The beneficiary pool is used as a cushion to isolate the contents of the annuitant pool from fluctuations in value. The beneficiary pool is initially funded with sufficient assets to minimize the likelihood of its depletion under fairly conservative estimates of market conditions. If the underlying investments perform poorly, assets from the beneficiary pool are reallocated to the annuity pool in order to maintain the existing annuity payment. Thus, for as long as the beneficiary pool is not depleted, the annuity payment is stabilized and will not decrease. If the underlying investments perform favorably, increasing in value, excess amounts above a set trigger level amount will be periodically transferred to the annuitant pool. As these gains are transferred to the annuity pool, the annuity payment amounts will be increased accordingly.

    摘要翻译： 一种用于提供稳定的年金支付和对可变年金的投资的控制的系统，方法和计算机程序产品，所述系统包括存储在存储器中的处理器，存储器和计算机程序。 计算机程序通过控制两个投资池之间的资产分配，将投资相关的短期和长期风险分配给年金的潜在受益人。 年金池是年金支付的基础，受益人池包含在年金死亡时提供给受益人的资产。 受益人池被用作缓冲区，以将年金池的内容与价值波动隔离开来。 受益人池最初由足够的资产提供资金，以便在相当保守的市场估计估计下尽量减少其消耗的可能性。 如果基础投资表现不佳，则受益人池的资产将重新分配给年金池，以维持现有年金支付。 因此，只要受益人池没有耗尽，年金支付就会稳定下来， 如果基础投资表现良好，价值上涨，超过设定触发水平的超额金额将定期转入年金池。 由于这些收益转入年金池，年金支付金额将相应增加。

    System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity
    9.
    发明授权
    System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity 有权
    系统，方法和计算机程序产品，用于提供稳定的年金支付和对可变年金投资的控制

    公开(公告)号：US07974898B2

    公开(公告)日：2011-07-05

    申请号：US12170174

    申请日：2008-07-09

    申请人： Robert Arena ,  Robert Schwartz ,  N. David Kuperstock ,  Robert O'Donnell ,  Gordon Boronow

    发明人： Robert Arena ,  Robert Schwartz ,  N. David Kuperstock ,  Robert O'Donnell ,  Gordon Boronow

    IPC分类号： G06Q40/00 ,  G06Q10/00

    CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/08

    摘要： A system for providing stabilized annuity payments, the system comprising a processor, a memory, and a computer program stored in the memory. The computer program allocates the risks associated with an investment to the potential beneficiaries of the annuitant by controlling the allocation of assets between two investment pools. The annuitant pool is the pool on which annuity payments are based and the beneficiary pool contains assets that are provided to the beneficiaries upon the death of the annuitant. The beneficiary pool is used as a cushion to isolate the contents of the annuitant pool from fluctuations in value. If the underlying investments perform poorly, assets from the beneficiary pool are reallocated to the annuity pool in order to maintain the existing annuity payment. If the underlying investments perform favorably, increasing in value, excess amounts above a set trigger level amount will be periodically transferred to the annuitant pool.

    摘要翻译： 一种用于提供稳定的年金支付的系统，该系统包括存储在存储器中的处理器，存储器和计算机程序。 计算机程序通过控制两个投资池之间的资产分配，将与投资相关的风险分配给年金的潜在受益人。 年金池是年金支付的基础，受益人池包含在年金死亡时提供给受益人的资产。 受益人池被用作缓冲区，以将年金池的内容与价值波动隔离开来。 如果基础投资表现不佳，则受益人池的资产将重新分配给年金池，以维持现有年金支付。 如果基础投资表现良好，价值上涨，超过设定触发水平的超额金额将定期转入年金池。