Investment management server and system for retirement financial planning

Abstract

An investment and financial planning server and system for retirement financial planning are disclosed. The investment and financial planning server communicates with a terminal device via the Internet and provides an interactive interface to receive personalized information input by the user. The personalized information includes various parameters such as occupation, retirement age, retirement expenses, and corresponding pension system. The investment and financial planning server performs calculations based on the personalized information to generate retirement financial planning results.

Claims

1. An investment and wealth management server, comprising: A communication device; A storage device, including an interface module and a computing module; The system also includes a processor coupled to the storage and the communication device, configured to: connect to an Internet via the communication device; execute the interface module to provide an interactive interface to a terminal device via the Internet; receive personalized information input by the terminal device through the interactive interface via the communication device, wherein the personalized information includes an occupation and a corresponding pension system; and obtain a retirement planning result based on the personalized information via the calculation module.

2. The investment and financial management server as described in claim 1, wherein the interactive interface includes multiple fields for receiving the personalized information.

3. The investment and financial management server as described in claim 1, wherein the retirement planning result includes a total retirement need, an actual amount obtainable based on the retirement system, a self-prepared amount, and a total retirement gap, wherein the actual amount obtainable based on the retirement system includes at least one of a social insurance retirement amount and an occupational retirement amount, and the total retirement gap is calculated based on the total retirement need, the actual amount obtainable based on the retirement system, and the self-prepared amount.

4. The investment and financial management server as claimed in claim 3, wherein the processor is configured to: calculate at least one investment parameter, including one or a combination of the investment amount per period or the expected rate of return, based on the total retirement deficit as a target value and under a projected retirement age, through the calculation module, to generate an investment plan based on the personalized information and used to make up for the total retirement deficit.

5. The investment and financial management server as claimed in claim 1, wherein the processor is configured to: after obtaining the retirement amount planning result, provide a modification function through the interactive interface and receive a modification input by the terminal device through the interactive interface; and obtain another retirement amount planning result based on the modification through the calculation module.

6. The investment and financial management server as described in claim 1, wherein the processor is configured to: generate a retirement report based on the retirement amount planning results.

7. The investment and financial management server as described in claim 1, wherein the personalized information further includes an investment attribute selected by a user, the user's current age and a projected retirement age, and the processor is configured to: select corresponding asset allocation parameter data based on the investment attribute received by the interactive interface through the calculation module, and dynamically determine the allocation ratio of risky assets based on the current age and the projected retirement age, as the basis for generating an investment plan or an asset allocation sliding path.

8. The investment management server as claimed in claim 4, wherein the processor is configured to: perform multiple calculations under different investment parameter conditions through the calculation module to select an investment parameter set that makes the total retirement fund deficit approach zero.

9. An investment and wealth management system, comprising: An investment and financial management server and a terminal device are disclosed. The investment and financial management server includes: a first communication device; a first storage device including an interface module and a computing module; and a first processor coupled to the first storage device and the first communication device, and configured to: connect to an Internet via the first communication device; execute the interface module to provide an interactive interface to the terminal device via the Internet; receive personalized information input by the terminal device through the interactive interface via the first communication device, wherein the personalized information includes an occupation and a corresponding pension system; and obtain a retirement planning result based on the personalized information via the computing module. The terminal device includes: a display; a second communication device; a second storage device including an application module; and a second processor coupled to the display, the second storage device, and the second communication device, and configured to: connect to the Internet via the second communication device. The application module is executed to connect to the investment and financial management server via the Internet, and the interactive interface provided by the investment and financial management server is displayed on the screen through the application module; in response to the input of personalized information in the interactive interface, the application module transmits the personalized information to the investment and financial management server through the second communication device; and the retirement planning results are displayed on the interactive interface displayed on the screen through the application module.

10. The investment and financial management system as described in claim 9, wherein the application module is either a browser or an application.

11. The investment and financial management system as described in claim 9, wherein the interactive interface includes multiple fields for receiving the personalized information, wherein the retirement planning result includes a total retirement need, an actual amount obtainable based on the retirement system, and a total retirement deficit.

12. The investment and financial management system as claimed in claim 11, wherein the first processor is configured to: obtain an investment plan based on the total retirement deficit and the personalized information through the computing module.

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