METHOD FOR PERSONALIZED GUIDANCE FOR REFERENCE DATE DEPENDENT INVESTMENTS

摘要

A system and method is provided to generate personalized savings recommendation and/or needed assignments of reference-date dependent investments. Recommendations and assignments are based on differences between a investor profile and an ideal representative that was used to construct the investments. The system provides a configurable increasing level of financial service based on a Methodology Publisher's configuration for reference date based investments. A forecast simulation system is provided for each investor with various optimizers by the Methodologically Publisher to provide various level of financial services and portfolio recommendations for reference date dependent investments. Reports may be provided to investors illustrating progress toward goals and highlighting distribution of potential risky outcomes. An online inter-active mode may allow an investor to provide further profile information and customize a solution to their needs.