Dynamic Calculation System

Abstract

A dynamic withdrawal calculation system, installed on a terminal device, includes a data receiving module, an AI intelligent assembly (automated calculation module + execution generation module), a total database, and a feedback path. The processing unit uses statistical simulation methods such as Monte Carlo to perform parallel calculations using multiple strategies (fixed amount, fixed percentage, modified GK, VPW) to generate suggested withdrawal amounts. The feedback path automatically sets the adjustment results as the initial parameters for the next calculation, forming a closed-loop mechanism. A dynamic detection and warning module is also included to monitor market and asset status in real time and issue warnings or enforce restrictions. This new system can prevent premature depletion of retirement funds and provides both interactive and tabular operation interfaces.

Claims

1. A dynamic retrieval calculation system, which is installed or built into a terminal device and displayed on an operating interface of a display of the terminal device, and includes: A data receiving module; an AI intelligent assembly comprising an automated computing module and an execution generation module, wherein the automated computing module includes a data classification unit and a processing unit electrically connected to each other, and the execution generation module includes an integration generation unit and an analysis and judgment unit electrically connected to each other; a total database comprising a customer database and a back-end database, wherein the total database and the processing unit are electrically connected via a bus; and a feedback path electrically connected to the processing unit and the execution generation module. The data receiving module receives initial data and transmits it to the data classification unit. The data classification unit parses and classifies the data into either a customer data source or a backend data source, then transmits the classified data to the processing unit. The processing unit combines the data from the customer database and the backend database, performs multi-scenario simulation calculations using statistical simulation methods, and dynamically adjusts the retrieval suggestions according to resource sustainability control logic, generating a set of information. This set of information is then transmitted to the execution generation module. The integration generation unit integrates the set of information to generate a data message. The analysis and judgment unit analyzes and judges the set of information and combines it with the data message to generate a suggestion message output. The feedback path sends the data message and suggestion message generated by the execution generation module back to the processing unit. The processing unit updates the status parameters and customer historical data in the customer database in real time and automatically sets the aforementioned status parameters as the initial parameters for the next calculation, forming a closed-loop calculation mechanism. The resource sustainability control logic includes at least two of the following: fixed amount withdrawal, fixed percentage withdrawal, modified guardrail withdrawal mode, and variable percentage withdrawal mode.

2. The dynamic withdrawal calculation system as described in claim 1, further comprising a dynamic detection and warning module electrically connected to the processing unit, and the dynamic detection and warning module comprising a detection unit and a warning unit. When the detection unit detects that the calculated suggested withdrawal amount changes by more than a first preset threshold compared to the previous suggested withdrawal amount, the warning unit displays a warning message. When the detection unit detects that the target remaining assets are less than a second preset threshold, the warning unit restricts the withdrawal amount and withdrawal frequency.

3. The dynamic withdrawal calculation system as described in claim 2, wherein the detection unit further includes a market environment monitoring module and a client asset monitoring module, wherein the market environment monitoring module monitors market volatility, inflation expectations, portfolio return rate, and value at risk in real time, and the client asset monitoring module monitors withdrawal amount, withdrawal frequency, and target remaining assets in real time.

4. The dynamic withdrawal calculation system as described in claim 3, wherein the warning unit further includes a prompting module, which displays a warning message when the market environment monitoring module detects that the calculated suggested withdrawal amount changes more than the previous suggested withdrawal amount.

5. The dynamic withdrawal calculation system as described in claim 3, wherein the warning unit further includes a forced switching module, which forcibly restricts the withdrawal amount and withdrawal frequency when the customer asset monitoring module detects that the target remaining assets are less than the second preset threshold.

6. The dynamic withdrawal calculation system as described in claim 1, wherein the processing unit performs calculations using the Monte Carlo algorithm and the variable percentage withdrawal algorithm, and simultaneously calculates suggested withdrawal amounts corresponding to any one or more of the following withdrawal modes: fixed amount withdrawal mode, fixed substantive amount withdrawal mode, modified guardrail withdrawal mode, and variable percentage withdrawal mode; wherein, The improved guardrail retrieval mode uses the rate of decline of the remaining assets of the target (ΔRAQI) as the threshold condition for triggering the protection mechanism, replacing the traditional fixed percentage threshold. This allows the retrieval protection mechanism to dynamically adjust the triggering timing according to the actual rate of asset decay, solving the problem of delayed false alarms caused by fixed thresholds. The ΔRAQI is calculated based on the change in the resource sufficiency quantitative indicator within each preset calculation period.

7. The dynamic retrieval calculation system as described in claim 1, further comprising a mode selection module electrically connected to the execution generation module, the mode selection module including an interactive mode and a list mode, wherein when in the interactive mode, the data message and suggestion message generated by the execution generation module are output in a dialog manner, and when in the list mode, the data message and suggestion message generated by the execution generation module are output in a list manner.

8. The dynamic retrieval calculation system as described in claim 7, when in the interactive mode, the data receiving module has a dialog input field, which can input one or more of text, numbers, charts, voice, audio and video, and images.

9. The dynamic withdrawal calculation system as described in claim 7, when in the table mode, the data receiving module has a parameter setting field, which further includes an initial financial conditions field and an investment portfolio parameter field. The initial financial conditions field is for inputting the initial total assets, the expected withdrawal period and the initial withdrawal rate, and the investment portfolio parameter field is for inputting the expected annualized return, annualized volatility and expected inflation rate.

10. The dynamic withdrawal calculation system as described in claim 9, when in the table mode, the parameter setting field further includes a guardrail rule setting field and an absolute boundary setting field. The guardrail rule setting field is used to input the threshold ratio for triggering a reduction in withdrawal, the threshold ratio for triggering an increase in withdrawal, and the dynamic adjustment ratio. The absolute boundary setting field is used to input the lower limit and upper limit of withdrawal amount.

11. The dynamic retrieval calculation system as described in claim 1, wherein the data information produced by the integration generation unit may be any one of charts, text, or voice.

12. The dynamic retrieval calculation system as described in claim 11, wherein the charts produced by the integrated generation unit may be any one or a combination of histograms, line graphs, bar charts, pie charts, and tables.

13. The dynamic data retrieval system as described in claim 1, wherein the data receiving module can receive one or more of the following: text data, voice data, graphic data, audio-visual data, image data, and chart data.

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