| 摘要 |
A system for implementing an investment methodology that uses expertly managed funds to automatically manage the investments in a retirement account to take into account various investor information, including the investor age, beneficiary status information, projected retirement plans, among others. The methodology allows use of target-date age-based funds, fixed risk/return funds, or both in a manner that can accommodate not only the investor's retirement plans and status, but also the status of the investor's beneficiaries. Also, the system can automatically implement dollar cost averaging for moving or otherwise purchasing investments in funds. |
| 主权项 |
1. A method of performing automated investing in a retirement account using a computer system comprising at least one computer and at least one database, said method comprising the steps of:
providing a plurality of model investment portfolios each directed toward different investment criteria; collecting investor information about a particular investor using said computer system, wherein said information is stored in at least one of said at least one database; accepting information into said computer system indicating a retirement investment amount of the particular investor; determining, using said computer system, particular life-circumstances for a particular investor utilizing the investor information; automatically choosing, using said computer system, a plurality of chosen model investment portfolios chosen from the plurality of model investment portfolios, wherein said choosing is at least partly based on the particular life-circumstances of the particular investor; and automatically determining, using said computer system, a different calculated portion of the retirement investment amount of the particular investor to be allocated to each one of the plurality of chosen model investment portfolios, wherein said determining is at least partly based on the particular life-circumstances of the particular investor; investing, using the computer system, at least a portion of the retirement investment amount of the particular investor into the chosen model investment portfolios according to the respective calculated portions; detecting, using the computer system, a threshold change in the life circumstances of the particular investor; and in response to detecting the threshold change, adjusting the portions invested in the chosen model investment portfolios. |
