Financial advisory system
OwnerChristopher Carosainventor
Life of this patent
Estimating the term…
Abstract
A system for providing investment metrics of an investment based on a multi-period time span, the system comprising a system for providing a first measure comprising a first ratio of the number of periods in which a return of the investment within the multi-period time span meets or exceeds a Goal Oriented Target (GOT) to the total number of periods within the multi-period time span and a system for providing a second measure comprising a second ratio of the total amount of surpluses within the multi-period time span to the total amount of surpluses and gaps within the total number of periods in the multi-period time span.
Claims15
A system for providing investment metrics of an investment based on a multi-period time span, said system comprising:
- (a) an apparatus for providing a first measure comprising a first ratio of the number of periods in which a return of the investment within the multi-period time span meets or exceeds a Goal Oriented Target (GOT) to the total number of periods within the multi-period time span;
- and
- (b) an apparatus for providing a second measure comprising a second ratio of the total amount of surpluses within the multi-period time span to the total amount of surpluses and gaps within the total number of periods in the multi-period time span.
A method for providing investment metrics of an investment based on a multi-period time span, said method comprising:
- (a) providing a first measure comprising a ratio of the number of periods in which a return of the investment within the multi-period time span meets or exceeds a Goal Oriented Target (GOT) to the total number of periods within the multi-period time span;
- and
- (b) providing a second measure comprising a second ratio of the total amount of surpluses within the multi-period time span to the total amount of surpluses and gaps within the total number of periods in the multi-period time span.
A method for guiding the selection of an investment for an investor with a known Goal Oriented Target (GOT), wherein said GOT is a percentage point return required by a client by the end of an investment period of the investment, said method comprising:
- (a) providing financial performance information to a computing device, said financial performance information comprises financial performance information of a multi-period time span wherein a period of said multi-period time span is selected from the group consisting of 10-year, 5-year, 1-year and combinations thereof;
- (b) generating in said computing device, a first numerator representing the number of periods in which a return of the investment within said multi-period time span meets or exceeds said GOT;
- (c) generating in said computing device, a first denominator representing the total number of periods within said multi-period time span;
- (d) generating in said computing device, a first ratio of said first numerator to said first denominator;
- (e) generating in said computing device, a second numerator representing the total amount of surpluses within said multi-period time span;
- (f) generating in said computing device, a second denominator representing the total amount of surpluses and gaps within the total number of periods in said multi-period time span;
- (g) generating in said computing device, a second ratio of said second numerator and said second denominator;
- (h) providing information to a computing device, said information comprising a knowledge base comprising a plurality of expert rules for evaluating and selecting an investment based upon the inventor's GOT;
- and
- (i) generating in said computing device, a ranked listing of investments for the investor based on application of said plurality of expert rules on said first ratio and said second ratio.
Dependencies are inferred from the claim text.