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

US8224728B2 · kind B2 · utility

Assignee

• The Prudential Insurance Company of America · US

Inventors

• Robert Arena · Farmington, US
• Robert O'Donnell · Harwinton, US
• Robert Schwartz · West Granby, US
• N. David Kuperstock · Woodbridge, US
• Tim Paris · Guilford, US
• Robert Leach · Weston, US
• Jacob M. Herschler · Southport, US
• Mike Morell · Shelton, US
• Fiona Jackman-Ward · Stratford, US

Key dates

• Filing date: Feb 16, 2010
• Grant date: Jul 17, 2012
• Expiry date: Aug 7, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.