Method and system for portable retirement investment

A process for providing a user with periodic retirement income payments comprising the steps of:

• receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment at each of a plurality of preset payment intervals;
• calculating the other one of the retirement date, the minimum retirement income amount and the premium payment amount based on the input for an accumulation period defined by the retirement date and a current age of the user;
• receiving a plurality of premium payments from the user during the accumulation period;
• investing the received premium payments in an account in a manner consistent with one or more predefined objectives during the accumulation period to realize a retirement income amount;
• and
• transmitting the retirement income amount to at least one of the user and a designated receiver at a designated time after the end of the accumulation period wherein the retirement income amount includes a predetermined guaranteed minimum retirement income if the received premium payments are received according to a predetermined premium payment schedule, and wherein one of the predetermined minimum retirement income amount and the premium payment amount is defined by the user.

A process for investment comprising the steps of:

• receiving a premium payment amount from a user at each of a plurality of predefined intervals over an accumulation period during employment at a first employer during a first part of the accumulation period;
• receiving the premium payment amounts from the user during employment at a second employer during a second part of the accumulation period;
• investing the received premium payment amounts during the accumulation period;
• and
• transmitting a retirement income amount to at least one of the user and a designated receiver at a designated time after the end of the accumulation period, wherein the retirement income amount includes a predetermined guaranteed minimum retirement income amount if the total received premium payment amounts were received according to a predetermined premium payment schedule, and wherein one of the predetermined guaranteed minimum retirement income amount and the premium payment amount is defined by the user.