| 摘要 |
<p>A system, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity. The computer program allocates the short and long term risks associated with an investment to the potential beneficiaries of the annuitant by controlling the allocation of assets between two investment pools. The annuitant pool (110) is the pool on which annuity payments are based. The beneficiary pool (120) is used as a cushion to isolate the contents of the annuitant pool (110) from fluctuations in value. The beneficiary pool (120) is used as a cushion to isolate the contents of the annuitant pool (110) from fluctuations in value. The beneficiary pool (120) is initially funded with sufficient assets to minimize the likelihood of its depletion under fairly conservative estimates of market conditions. If the underlying investments perform poorly, assets from the beneficiary pool are reallocated to teh annuity pool in order to maintain the existing payment.</p> |
