Systems, products, and methods of managing assets

A computer program product for managing assets, the computer program product comprising at least one non-transitory computer-readable storage medium having computer-executable program code instructions stored therein, the computer-executable program code instructions comprising program code instructions capable of causing a processing apparatus having at least one processor capable of executing the program code instructions to:

• (A) receive information about the investor (“Investor Information”), including a conversion start date (“CSDate”) and a spend period;
• the CSDate being a date on which the investor would like to begin converting assets, which are managed by the using the computer program product, to liquid or near-liquid assets, and
• the spend period being a period of time starting on the CSDate and ending on a date that is later than the CSDate during which the investor would like assets to be available for conversion to the liquid or near-liquid assets;
• (B) store the Investor Information in an investor information database;
• (C) divide the spend-period into time-subsets;
• (D) for each time-subset:
• (i) identify an anticipated conversion date (“ACDate”), the ACDate being a date during the time-subset when assets associated with the time-subset are expected to be converted to the liquid or near-liquid assets;
• (ii) determine an amount of time between a current date and the ACDate (“Temporal Distance”);
• (iii) select a first risk value that is correlated to the determined Temporal Distance;
• (iv) identify an initial asset value (“IA Value”);
• (v) identify a first group of assets having the selected first risk value and the identified IA Value;
• (E) provide instructions to acquire assets;
• (F) allocate the acquired assets to sleeves of assets (each, a “Sleeve”), each Sleeve:
• (i) having the characteristics of one of the first groups;
• and
• (ii) being associated with the ACDate and time-subset corresponding to the one of the first groups;
• (G) identify an adjustment date on which the assets of at least one of the Sleeves will be evaluated for adjustment, and on the adjustment date for the Sleeve to be adjusted:
• (i) determine a new Temporal Distance for the time-subset corresponding to the Sleeve to be adjusted;
• (ii) select a new risk value (“New Risk Value”) for the time-subset corresponding to the Sleeve to be adjusted, the New Risk Value being correlated to the new Temporal Distance;
• (iii) identify a second group of assets having the New Risk Value and an equivalent value of the Sleeve to be adjusted;
• (iv) provide instructions to acquire the second group of assets;
• (v) associate the acquired second group of assets with the Sleeve to be adjusted, and disassociate the first group of assets from the Sleeve to be adjusted;
• (H) for each Sleeve, on or near the ACDate for that Sleeve, identify the second group of assets associated with that Sleeve for conversion to a liquid or near-liquid asset.

A computer-implemented method for managing assets, comprising:

• providing an investor information database (“IIDatabase”) for storing information about an investor;
• providing a processing apparatus comprising at least one non-transitory memory having computer-executable program code instructions stored thereon, and at least one processor capable of executing the program code instructions;
• using the processor, the at least one non-transitory memory, and the program code instructions, causing the processing apparatus to:
• (A) receive information about the investor (“Investor Information”), including a conversion start date (“CSDate”) and a spend period;
• the CSDate being a date on which the investor would like to begin converting assets, which are managed by executing the computer-implemented method, to liquid or near-liquid assets, and
• the spend period being a period of time starting on the CSDate and ending on a date that is later than the CSDate during which the investor would like assets to be available for conversion to the liquid or near-liquid assets;
• (B) store the Investor Information in the IIDatabase;
• (C) divide the spend-period into time-subsets;
• (D) for each time-subset:
• (i) identify an anticipated conversion date (“ACDate”), the ACDate being a date during the time-subset when assets associated with the time-subset are expected to be converted to the liquid or near-liquid assets;
• (ii) determine an amount of time between a current date and the ACDate (“Temporal Distance”);
• (iii) select a first risk value that is correlated to the determined Temporal Distance;
• (iv) identify an initial asset value (“IA Value”);
• (v) identify a first group of assets having the selected first risk value and the identified IA Value;
• (E) provide instructions to acquire assets;
• (F) allocate the acquired assets to sleeves of assets (each, a “Sleeve”), each Sleeve:
• (i) having the characteristics of one of the first groups;
• and
• (ii) being associated with the ACDate and time-subset corresponding to the one of the first groups;
• (G) identify an adjustment date on which the assets of at least one of the Sleeves will be evaluated for adjustment, and on the adjustment date for the Sleeve to be adjusted:
• (i) determine a new Temporal Distance for the time-subset corresponding to the Sleeve to be adjusted;
• (ii) select a new risk value (“New Risk Value”) for the time-subset corresponding to the Sleeve to be adjusted, the New Risk Value being correlated to the new Temporal Distance;
• (iii) identify a second group of assets having the New Risk Value and an equivalent value of the Sleeve to be adjusted;
• (iv) provide instructions to acquire the second group of assets;
• (v) associate the acquired second group of assets with the Sleeve to be adjusted, and disassociate the first group of assets from the Sleeve to be adjusted;
• (H) for each Sleeve, on or near the ACDate for that Sleeve, identify the second group of assets associated with that Sleeve for conversion to a liquid or near-liquid asset.