METHOD AND APPARATUS FOR INVESTMENT STRATEGIES DERIVED FROM VARIOUS RESEARCH METHODOLOGIES AND EXTRACTIONS

摘要

The present invention provides a computer based apparatus and methodology for generating investment strategies for individuals by using a variety of research and screening methodologies to extract investment tools and data from publicly available data basis, while also utilizing computerized search skills, this business model looks to improve on investment methods currently offered by brokers and registered investment advisors. Several modules are provided that perform certain analyses based on information from the investor as well as other sources. Each module can be used as a stand-alone unit or can share information and prepare aggregate reports to the investor. In one preferred embodiment, an asset allocation module is used to generate a proposed asset allocation to an individual based on at least one of his risk profile, assets, and planned retirement age.

主权项

1. An apparatus generating a proposed asset allocation for an individual associated with an investor profile, said financial profile including at least a risk profile defining an investment risk associated with the individual, said apparatus comprising:
an input receiving investor information defining said financial profile; a portal to external financial information; an asset allocation module receiving said financial profile and said external information, said asset allocation module being configured to search said financial information and identify a plurality of investment portfolios described in said financial information corresponding to said investor profile; analyze said plurality of investment portfolios to identify holdings in each said investment portfolio; obtain a specific allocation for each holding within each profile; and using said specific allocations generate a proposed asset allocation for the individual based on said specific allocations; and an output module presenting said proposed asset allocation to said individual.