Customized and Beneficial Asset Withdrawal

摘要

Methods and apparatuses, including computer program products, are described for determining a customized and beneficial asset withdrawal from an investment portfolio account. A server computing device receives (i) customer portfolio data associated with a customer's investment portfolio account, (ii) research data associated with securities and share amounts, and (iii) customer preference data. An optimization engine executing in the server analyzes the customer portfolio data, research data, and customer preference data to generate an asset withdrawal optimization plan. The engine determines a proposed withdrawal of securities and share amounts out of the account, where the proposed withdrawal maximizes a benefit value to the customer and matches a predetermined asset withdrawal amount. The engine selects a set of securities and share amounts in the account that conforms to the proposed withdrawal and generates the optimization plan. The engine transmits the optimization plan to a remote device.

主权项

1. A computerized method for determining a customized and beneficial asset withdrawal from an investment portfolio account, the method comprising:
receiving, by a server computing device from a plurality of data sources, (i) customer portfolio data associated with a customer's investment portfolio account, the account containing a plurality of securities and share amounts, (ii) research data associated with the plurality of securities and share amounts, and (iii) customer preference data; analyzing, by an optimization engine executing in the server computing device, the customer portfolio data, research data, and customer preference data to generate an asset withdrawal optimization plan for the investment portfolio account, the analyzing comprising:
determining a proposed withdrawal of securities and share amounts out of the investment portfolio account, wherein the proposed withdrawal
(i) maximizes a benefit value to the customer based upon at least a number of securities in the investment portfolio account, optimization criteria selected by the customer, and a weight assigned to each of the optimization criteria by the customer, and(ii) matches a predetermined asset withdrawal amount,selecting a set of securities and share amounts in the portfolio account that conforms to the proposed withdrawal, andgenerating the asset withdrawal optimization plan based upon the selected set of securities and share amounts, wherein the asset withdrawal optimization plan illustrates one or more effects on the portfolio account when the selected set of securities and share amounts is withdrawn from the portfolio account; and transmitting, by the optimization engine, the asset withdrawal optimization plan to a remote computing device.