| 摘要 |
A method for providing a person with a secure retirement program employs a computerized system to allocate assets owned by a person towards purchase of retirement benefits. The system selects at least one desired retirement benefit from a group of available retirement benefits. A user may specify a conversion period for allocating the assets to the selected benefits during this conversion period. The system allocates portions of the assets towards purchasing a fraction of the selected benefits at selected intervals within the conversion period. Thereafter, the system calculates benefit payments corresponding to the selected retirement benefits to the person during and after the conversion period, wherein the benefit payments during the conversion period are from contributions made from the assets and the purchased benefits, and the benefit payments after the conversion period are provided by the purchased benefits.
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