SECURED INCOME GUARANTEE SYSTEM AND METHOD

摘要

A system and method of providing a secured income investment to an investor. In one embodiment, a service provider receives an investment from the investor having an initial value, the investment being placed into an investment pool and invested by the service provider. Based on this initial value, a guaranteed balance is defined. A number of payout events are also defined, and then a guaranteed withdrawal amount is calculated by dividing the value of the guaranteed balance by the total number of payout events. At payout events throughout the duration of the secured income investment, the investor is paid a payment, the value of which is subtracted from the value of the guaranteed balance. Generally, the value of the guaranteed balance is independent of the value of the investment, however, if at pre-determined events, the market value of the investment is greater than the guaranteed balance, the guaranteed balance can be recalculated.