Method and system for establishing, monitoring, and reserving a guaranteed minimum value return on select investments

a technology of guaranteed minimum value and investment return, which is applied in the field of method and system for establishing, monitoring and reserving a guaranteed minimum value return on select investments, can solve the problems of not having a method and system for ensuring a higher rate of return, not providing sophisticated projection and modeling techniques, etc., to maximize the return of retirement savings and retirement benefits, and focus and enhance consumer benefits.
US20100280971A1Inactive Publication Date: 2010-11-04METLIFE
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Patent Information

Authority / Receiving Office
US · United States
Patent Type
Applications(United States)
Current Assignee / Owner
METLIFE
Publication Date
2010-11-04
Estimated Expiration
Not applicable · inactive patent

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Abstract

The present invention provides a method and system for assuring a minimal guaranteed return on long-term investments, such as mutual funds or variable annuities. The invention includes a method and system for pricing, administration, customer presentation, and reserving relating to the guaranteed minimum return assurance. In addition, the present invention includes a method and system for allowing individual investors to control and easily change their typical asset allocation strategies. In order to accomplish the minimum guaranteed return, the present invention also includes sophisticated projection techniques, such as Monte Carlo simulation of investment performance. The present invention also includes features that allow the tracking of payments and removal of overcontributions from selected accounts, use of reserving techniques, optimizing investment diversification, proposal, issue, and administration of variable annuity riders, such as guaranteed minimum variable income benefit riders and guaranteed minimum income benefit riders, linkable to guaranteed minimum death benefits, and establish a charge for the guarantee.
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Description

FIELD OF THE INVENTION

[0001] The present invention relates to a method and system for providing a minimal guaranteed return on a long-term investment and the pricing, administration, customer presentation, and reserving for this minimum guarantee. In particular, the present invention relates to a method and system for allowing individual investors to control and change easily their typical asset allocation strategies. In addition, the present invention relates to a system that allows guarantee of minimum return using sophisticated projection techniques. In accomplishing this minimum guarantee, the present invention includes a methodology for diversifying retirement investment, particularly using mutual fund and variable annuity separate account fund investments, variable annuity riders, and a predetermined guarantee charge.BACKGROUND OF THE INVENTION

[0002] As a client approaches “middle age” (generally 45 to 60 years of age), asset allocation recommendations for long-term investments ...

Claims

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