| 摘要 |
The invention forecasts a customer's annual withdrawals, manages order of withdrawal, forecasts likelihood that assets at retirement will provide needs for retirement, and provides ability to perform alternative analysis by changing various retirement goals, such as preservation of principal, amount of income desired, or expected length of retirement. |
| 主权项 |
1. A computer-implemented method comprising:
receiving a current asset allocation and in-retirement goals, the in-retirement goals comprising an income goal, an estate goal, and a years in retirement goal; receiving input to set a first one of the in-retirement goals as priority goal; performing, using a computer, an analysis based on said in-retirement goals, the priority goal and said current asset allocation, the analysis ensuring that the priority goal is met; forecasting, using the computer and results of said analysis, a first likelihood that assets at retirement meet the in-retirement goals when the priority goal is met; setting a second one of the in-retirement goals as an updated priority goal; performing, using the computer, an alternative analysis based on the updated priority goal, the alternative analysis ensuring that the updated priority goal is met, wherein the likelihood of meeting the in-retirement goals is determined while all other goals are held constant; forecasting, using the computer and results of the alternative analysis, a second likelihood that assets at retirement meet the in-retirement goals when the updated priority goal is met; and recommending a course of action based on the first likelihood and the second likelihood. |
