Method and system for processing data relating to investment products having a payment guarantee

A computer-implemented method of processing data relating to an investment arrangement having an account value dependent on investment performance and available for withdrawal by an account owner, comprising:

• determining by a processor a present payment base value of the account based on data indicative of a prior period payment base value and a present account value accessed by the processor from a data storage device, the processor being configured to increase the payment base value on a periodic basis by no more than a maximum percentage increase;
• for at least one of a plurality of periods, including periods after a first withdrawal, determining by the processor an available maximum withdrawal without reduction of the payment base value, based on a greater of:
• (i) a value based on the withdrawal factor value and the present account value;
• and (ii) a value based on the withdrawal factor value and the present payment base value, the available maximum withdrawal being the maximum available, in accordance with associated data indicative of a guarantee of payments available for a term in a plurality of periods without reduction of the payment base value;
• providing by the processor data indicative of the determined available maximum withdrawal amount via a communication bus to a display device;
• and
• displaying the determined available maximum withdrawal amount by the display device.

A non-transitory computer-readable storage medium having a plurality of computer-executable instructed stored thereon, the instructions, when executed by a processor, causing the processor to:

• access from a data storage device data relating to an investment account, the data relating to the investment account comprising a prior period payment base value, a present account value and a withdrawal factor value;
• determine a present payment base value based on the present account value and a prior period account value, the instructions causing the processor to limit a periodic increase in the payment base value to a maximum percentage increase;
• for at least one of a plurality of periods, including periods after a first withdrawal from the investment account, determine an available maximum withdrawal without reduction of the payment base value, for a current period based on a greater of:
• (i) a value based on the withdrawal factor value and the present account value;
• and (ii) a value based on the withdrawal factor value and the present payment base value, the available maximum withdrawal being the maximum available, in accordance with associated data indicative of a guarantee of payments available for a term in a plurality of periods without reduction of the payment base value;
• and
• provide output data indicative of the determined available maximum withdrawal amount via a communication bus to a display device for display to a computer system user.