Asset investment tool

A computer program product encoded in a non-transitory computer readable medium, said computer program product being useable by a programmable computer processor to maximize a post-mortem asset disbursement, comprising:

• computer readable program code which causes said programmable computer processor to receive information about one or more assets owned by an asset holder, wherein liquid assets are separately identified and input from non-liquid assets;
• computer readable program code which causes said programmable computer processor to select a life expectancy from the group consisting of a single life, a joint life, and both a single life and a joint life;
• computer readable program code which causes said programmable computer processor to set, based on a life expectancy period for the selected life expectancy and an expected aggregate expenditure of the asset holder over the life expectancy period;
• computer readable program code which causes said programmable computer processor to calculate a first investment corpus comprising the difference between a value for said one or more assets and said aggregate expenditure;
• computer readable program code which causes said programmable computer processor to calculate a first investment corpus life expectancy value for the first investment corpus;
• computer readable program code which causes said programmable computer processor to calculate a first estimated post-mortem tax liability imposed on said first investment corpus life expectancy value;
• computer readable program code which causes said programmable computer processor to set a value for carve out funds deducted from the first investment corpus;
• computer readable program code which causes said programmable computer processor to calculate a second investment corpus comprising the difference between said first investment corpus and said carve out funds;
• computer readable program code which causes said programmable computer processor to calculate a second investment corpus life expectancy value for the second investment corpus;
• computer readable program code which causes said programmable computer processor to calculate a second estimated post-mortem tax liability imposed on said second investment corpus life expectancy value;
• and
• computer readable program code which causes said programmable computer processor to determine a value for life insurance proceeds paid at end of life expectancy, wherein said life insurance proceeds are realized from a life insurance policy covering said asset holder and purchased using said carve out funds.